SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purpose Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Table 1 Deposit Interest Rate (THAI BAHT)
Effective from 1 June 2020
(Unit: Percentage per annum)Type of Customers

Type of Deposit
1. Current Deposit Account
2. Savings Deposit Account
3. Time Deposit Account-Tenor less than 1 week-Tenor 1 week to less than 3 months-Tenor 3 months to less than 6 months-Tenor 6 months to less than 12 months-Tenor 12 months to 24 months-Tenor more than 24 months

Non-Resident
Juristic
Individuals
Persons

Individuals

Juristic Persons

Government
Agencies

Non-Profit
Juristic
Persons

FinancialInstitutions

Funds andCooperatives

0.00
0.05

0.00
0.10

0.00
0.10

0.00
0.10

0.00
0.10

0.00
0.10

-----

-----

0.05
0.05
0.10
0.10
0.10
---

0.10
0.10
0.10
0.10
0.20
---

0.10
0.10
0.10
0.10
0.20
---0.10
0.10
0.10
0.10
0.20
---

0.10
0.10
0.10
0.10
0.20
---

0.10
0.10
0.10
0.10
0.20
---

-------------------0.10
0.10
---

Remark: Conditions of interest payment as per Table 1 (2 Pages) are shown in Page 2 and 3 of the Annex of this Announcement

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purpose Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Annex Table 1 Deposit Interest Rate (THAI BAHT)
Effective from 1 June 2020
1. Definition of customer types•

Juristic Persons mean Business Entity, Institution, Foundation or Association, who have income subject to income tax payment, Juristic Person requesting lump sum tax
payment, Condominium Juristic Person, Non-bank Credit Card Company•

Government Agencies mean Thai Government (Government Offices, Municipality, Co-operative) and State-Enterprises (excluding state-enterprise in the form ofcompany•

Non-profit Juristic Persons mean the organization with a non-profit objective such as Association, Club, Foundation, Temple, The Thai Red Cross Society, Public Hospital,
School, College and University, etc.

•Financial Institutions mean Finance Company, Securities Company, Finance and Securities Company, Credit Foncier, Asset Management Company, Mutual Fund, otherfinancial institutions and other funds except Private funds•

Funds mean Provident Fund, Government Pension Fund, Social Security Fund and other welfare funds•

Non-resident: Individuals mean (1) a foreigner who lives and works temporarily in Thailand (2) a Thai who is a permanent resident abroad (3) a foreign official/ staff/ expert/
other persons of embassy, foreign consulate, specialized agencies of the United Nations, international organization or institution, stationed in Thailand.
Non-resident: Juristic Persons mean (1) Office/ branch/ agent of Thai individuals or juristic persons located outside Thailand (2) Corporation, institution, company incorporated
abroad (3) Foreign government or organization of foreign government (4) Foreign embassy, foreign consulate, specialized agencies of the United Nations, internationalorganization or institution, stationed in Thailand.

•2. Conditions of interest payment for savings account•

The Bank will pay interest 2 times per annum, in June and December each year.

3. Conditions of interest payment for fixed deposit•The Bank will pay interest upon maturity date only.

•Early withdrawal of fixed deposits:- The bank will not pay interest if the actual deposit period is less than 3 months.
- If the deposit is withdrawn after the first 3 months but before the maturity date, the Bank will pay interest equivalent to savings interest rate as periodically announced

by the bank.

4. Interest calculation method•

The interest is calculated on the basis of 365 days per year.

•The formula for interest calculation is as follows:
Interest received = Principal x Interest rate x Number of days
100 x 365

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purpose Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Annex Table 1 Deposit Interest Rate (THAI BAHT)
Effective from 1 June 2020
5. Other conditions:•The Bank may offer an interest rate for the savings account and fixed deposit higher than the rate announced by the Bank, but not exceeding 0.75% p.a.

•

The Bank reserves the right to consider offering an interest rate for the savings account and fixed deposit higher than the rate announced by the Bank, exceeding 0.75%
p.a. Such a consideration shall be in line with the Bank’s approval authority.

•The Bank reserves the right to consider modifying the criteria, conditions, and special interest rate as appropriate, to be matched with each economic and financial businesssituation.

•All types of deposit in Thai Baht except non-resident Thai Baht deposit account are protected by the Deposit Protection Agency as per the Deposit Protection Agency ActB.E.2551, at the coverage amount specified by law.

•Principal and interest of a non-resident Thai Baht deposit account according to Exchange Control regulations of Bank of Thailand is not protected by Deposit ProtectionAgency as per the Deposit Protection Agency Act B.E.2551.

Remarks:•To comply with the Measures to prevent Thai Bath speculation of Bank of Thailand, the Bank shall not pay interest for a non-resident Thai Baht deposit account for bothcurrent and savings accounts. In addition, the Bank shall open Thai Baht fixed deposit for non-resident only for a term of 6 months and more.

•The above deposit interest rate is effective from the announcement date until further notice.

•

For any query, please feel free to contact our Corporate Business Department

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purposes Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Table 3 Service Fees, Charges and Penalties Related on Deposit, Lending and Other Services Charges 1/
Effective from 1 March 2020
A. Service charges related to deposits

Service charges (please specify unit)

RemarkTHB 600 / 6 Months---

USD 30 or equivalent / 6 Months---

1. Account Maintenance Fees, Dormant Fee for inactive 1 year and over (Thai Baht)
2. Account Maintenance Fees, Dormant Fee for inactive 1 year and over (Foreign Currency)

B. Service charges related to loans

Service charges (please specify unit)
Personal Loan
SecuredUnsecured(not underthe supervision)

HousingLoans 3/-------Remark

1) Stamp Duty

---

---

---------

2) Mortgage registration fee------------

1) Expenses for checking of credit information---------------

2) Expenses for collateral inspection and valuation 2/

---

---

---

---

---

3) Insurance expenses---------------

4) Payment expenses via other counters and channels (please specify details)------

---

---

---

1) Cheque return expenses (in case of other commercial banks’ cheque)

---

---

---

---

---

2) Insufficient fund expenses (in case of payment by debiting from the account of otherfinancial institutions)

---

---

---

---

---

3) Debt collection expenses2/

---

---

---

---

---

1) Expenses for collateral inspection and valuation 2/

---

---

---

---

---

2) Fees for a copy of statement requested (for the second copy onward)

---

---

---

---

---

---

---

---

---

---

B. (1) Service charges of consumer loan : actual and reasonable expenses
1. Expenses paid to government agencies, such as

2. Expenses paid to other persons or external entities, such as
Normal case

Default case

3. Expenses that are operating costs of commercial banks
Normal case

Default case1) Debt collection expenses 2/

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purposes Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Table 3 Service Fees, Charges and Penalties Related on Deposit, Lending and Other Services Charges 1/
Effective from 1 March 2020
B. (2) Service charges of commercial loan

Service charges (please specify unit)

RemarkMaximum 5% of the credit line amount---

2. Commitment Fee

Maximum 5% (per annum) of undrawn-down credit line---

3. Prepayment Fee

2% of the credit line amount---

0.05% of the credit line amount (Maximum THB 10,000.-)
THB 5-----

Service charges (please specify unit)

Remark------

D. Penalties related to housing loan 3/Service charges (please specify unit)

Remark---------

1. Agency Fee, Arrangement Fee, Management Fee, Up-Front Fee, Facility Fee, Other

4. Related expenses paid to government agencies, such as
1) Stamp Duty (for Loan Agreement)
2) Stamp Duty (for duplicate Loan Agreement)

C. Other service charges
Other service charges please refer to the “Tariff Book”

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purpose Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED

Table 4 Interest Rate on Foreign Currency Deposit (Percentage per Annum)
Effective from 12 December 2017
Type of Customers
Currency

USD

JPY

Type of Deposits
1. Current Deposit Account
2. Saving Deposit Account
3. Time Deposit Account- Up to 1 week
- More than 1 week to 2 weeks- More than 2 weeks to 1 month- More than 1 month to 2 months- More than 2 months to 3 months- More than 3 months to 6 months- More than 6 months to 12 months- More than 12 months to 24 months
1. Current Deposit Account
2. Saving Deposit Account
3. Time Deposit Account1 month
2 months
3 months
6 months
12 months

Resident
Individuals
Juristic Persons----0.01
0.05

Non-Resident
Individuals
Juristic Persons------0.05

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
--0.00

0.10
0.10
0.10
0.10
0.10
0.20
0.30
0.40
--0.00---------------------

0.10
0.10
0.10
0.100.10
0.20
0.30
0.40
--0.00

0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00

-----------

0.00
0.00
0.00
0.00
0.00

Remark: Conditions of interest payment as per Table 4 (1 Page) are shown in Page 2 of the Annex of this Announcement

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purpose Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Annex Table 4 Interest Rate on Foreign Currency Deposit (Percentage per Annum)
Effective from 12 December 2017
1. Definition of customer types••••

Resident: Individuals mean a Thai or a Foreigner who has a permit to stay permanently in Thailand
Resident: Juristic Persons mean (1) Corporation, institution or company incorporated in Thailand (2) Office/ branch/ agent of foreign individuals or juristic persons
incorporated in Thailand (3) State entity and state-enterprise of Thailand (4) Juristic persons incorporated under special law (5) Government Pension Fund, Social Security
Fund, Provident Fund, Mutual Fund (6) Securities company, insurance company, financial institution incorporated under special law
Non-resident: Individuals mean (1) a foreigner who lives and works temporarily in Thailand (2) a Thai who is a permanent resident abroad (3) a foreign official/ staff/ expert/
other persons of embassy, foreign consulate, specialized agencies of the United Nations, international organization or institution, stationed in Thailand.
Non-resident: Juristic Persons mean (1) Office/ branch/ agent of Thai individuals or juristic persons located outside Thailand (2) Corporation, institution or company
incorporated abroad (3) Foreign government or organization of foreign government (4) Foreign embassy, foreign consulate, specialized agencies of the United Nations,international organization or institution, stationed in Thailand.

2. Conditions of interest payment for savings account•

The Bank will make interest payment in June and December each year. The interest is calculated on daily basis from the ending balance of each day.

3. Conditions for fixed deposit•••••

The Bank will pay interest upon maturity date.
No monthly interest payment and no interest payment if the deposits are withdrawn before the term of 3 months.
The withdrawal of fixed deposits before the term if it is more than 3 months, the Bank will make interest payment for the real term of deposit at the rate not exceeding theinterest rate of savings account on the deposit date.
For fixed deposits matured on a banking holiday, if customer withdraws on the next business day, the bank will include the holiday in the interest calculation.
On due date of fixed deposits, if the customer does not withdraw it, it can be assumed that the customer agrees to renew such fixed deposit at the same type and tenor. Theinterest rate will be determined on the new deposit date.

4. Interest calculation••

The interest rate is calculated on the basis of 360 days per year.
The formula for interest calculation is as follows:
Interest received = Principal x Interest rate x Number of days
100 x 360

5. Other conditions:•••

The principal and interest of foreign currency deposit are not protected by the Deposit Protection Agency as per the Deposit Protection Agency Act B.E.2551.
The bank may consider increasing the interest payable to customers on a case by case basis as deemed appropriate.
The Bank reserves the right to consider modifying the criteria, conditions, and special interest rate as appropriate, to be matched with each economic and financial businesssituation.

SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purposes Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Table 5 Fees related to Deposit and Withdrawal of Foreign Currency AccountEffective from 23 May 2016

Currency
SWIFT/Telex Transfer

USD%

Commission-in-lieu
Min.
Max.

1/8

THB 500---

Handling Fee 1/4 % (Minimum THB 200 / Maximum THB 500)

Withdrawal 1/8

THB 500---

Handling Fee THB 500

---

---

---

---

Withdrawal - - ----

---

---

Deposit

---

---

---

---

Withdrawal - - ----

---

---

Fees

Draft
Foreign ChequeDeposit
Deposit

RemarkSWIFT/Telex Transfer

JPYDraft
Foreign ChequeRemark

Other fees--Deposit

1/8

THB 500---

Handling Fee 1/4 % (Minimum THB 200 / Maximum THB 500)

Withdrawal 1/8

THB 500---

Handling Fee THB 500

---

---

---

---

Withdrawal - - ----

---

---

Deposit

---

---

---

---

Withdrawal - - ----

---

---

Deposit---SUMITOMO MITSUI TRUST BANK (THAI) PCL.
No. 98 Sathorn Square Office Tower 32nd Floor
North Sathorn Road, Silom, Bangrak, Bangkok, 10500
Tel: 0 2230 6100 Fax: 0 2230 6150 Registration No. 0107557000250(Translation for Reference Purposes Only)
SUMITOMO MITSUI TRUST BANK (THAI) PUBLIC COMPANY LIMITED
Table 6 Conditions and Fees related to Foreign Currency AccountEffective from 12 December 2018

Currency

Current
DepositAccount

Saving Deposit AccountTime Deposit
Account---

THB 500,000or equivalent

THB 500,000or equivalent

Average minimum balance

---

---

---

Fee

---

---

---

Dormant period---≥ 1 Year

---

Fee

---

30 USD / 6 Months

---

---

---

---

---

THB 500,000or equivalent

THB 500,000or equivalent

Average minimum balance

---

---

---

Fee---------

Dormant period---≥ 1 Year---Fee---30 USD or equivalent / 6 Months---------

Conditions and other fees
Initial deposit
Fee in case of below minimum balance

USD

Fee in case of dormant account
Returned Cheque/Draft fee
Remark :Initial deposit
Fee in case of below minimum balance

JPY

Fee in case of dormant account
Returned Cheque/Draft fee
Remark :