United Overseas (Thai) Public Company Limited would like to supercede the Bank Announcement # 020/2020 dated July 15th' 2020 which effective from August 1st' 2020 with the revised interest rates and conditions as follows

United Overseas Bank (Thai) Public Company Limited Details on Interest Rate, Service Charges, Fees, and Actual Appropriate Expenses related to Personal Loan Business under Supervision (not related to Car Loan) No. 011/2021 Effective Date: April 1, 2021

1 Interest,Penalty Fee, Fees and Other Service Charges (Lowest rate to highest rate) UOB Cash Plus UOB I-Cash 1.1 Normal Interest Rate Maximum 25% per annum Ceiling Interest Rate 25% The maximum normal interest rate actually charged as in the contract and plus 3% per annum 1.2 Penalty Fee but not exceeding ceiling interest rate at 25% per annum The different rate between the approved rate and ceiling interest rate multiplied by outstanding balance and the 1.3 Prepayment Fee within the first year N/A number of day counting from the date of the first draw down until prepayment date, divided by 365 1.4 Arrangement Fee N/A N/A 2 Expense Paid to Government Agencies 0.05% of credit limit 0.05% of credit limit 2.1 Stamp Duty 3 Expense Paid to External Parties 3.1 Cash Advance Transaction Fee N/A N/A 3.2 Payment Service Fee4 Payment Channel6 Serivce charges per Transaction Serivce charges per Transaction

Bangkok and Greater Upcountry Province and Greater Upcountry Province At Counter of (Thai) Free Free Free Free Mailing Cheque Free Free Free Free At UOB ATM / UOB Direct Debit Free Free Free Free UOB Cyber Banking (www.uob.co.th) Free Free Free Free Pay at Post THB 10 / every THB 50,000 N/A At Counter Service (Cash only and not more than THB 30,000/ time) THB 15 THB 20 THB 15 THB 20 Bank of Ayudhaya - At Counter of Bank of Ayudhaya THB 15 THB 15* THB 15 THB 15* - Electronic Channels of Bank of Ayudhaya THB 10 THB 10* THB 10 THB 10* Electronic Channels of Siam Commercial Bank N/A N/A Free Free Tesco Lotus THB 10 THB 10 N/A N/A mPay STATION THB 15 THB 15 N/A N/A BigC THB 10 / every THB 49,000 THB 10 / every THB 49,000 N/A N/A CenPay THB 5 THB 5 N/A N/A Cross-Bank Bill Payment** THB 5 THB 5 N/A N/A True Money Maximum of THB 20 Maximum of THB 20 N/A N/A * When making payment of over THB 50,000 at in upcountry provinces, the additional fee of 0.10% of the payment amount or maximum of THB 1,000 shall be imposed. ** Cross-Bank Bills Payment members i.e. Siam Commercial Bank, Kasikorn Bank, , , Bank of Ayudhaya, ,TMBThanachart Bank, CIMB Bank, Tisco Bank, , Bank for Agriculture and Agricultural cooperatives and Government Saving Bank (Data as of Sep 19, 2019) However, type of payment channels depended on each Cross-Bank Bills Payment members announcement. 3.3 Credit Information Checking Fee N/A Insufficient Fund Expense (via direct debit with other bank's account) 3.4 N/A

3.5 Debt Collection Expense5 THB 100 for every statement cycle 3.6 Electronic Know Your Customer Fee7 N/A N/A 4 Operation Cost of Commercial Bank 4.1 Cheque Return Fee (Not over THB 200 per times) N/A N/A 4.2 Card Replacement Fee (In case of using a card for withdrawal) THB 200/card N/A 4.3 Statement Re-issuance Fee (The second issue onward) THB 100 per statement cycle THB 100 per statement cycle 4.4 PIN Code Replacement Fee (In case of using a card for withdrawal) THB 100 per transaction N/A 4.5 Transaction Inquiry Fee THB 100 per transaction THB 200 Remarks: 1. Total interest rate, service charges, and penalty inclause 1.1 - 1.4 are not greater than 25% p.a. (Effective Rate) 2. The Bank may change interest rates, service charges, and penalty fees, which will be announced and published at the Bank’s branches and website 30 days in advance by the same means. 3. Fees and service charges are VAT excluded (If any) 4. Payment service fees in clause 3.1 may be revised upon service providers' announcements. 5. Any debt collection expense charged by service provider will be collected from customer from 1 Jan 09 onwards. 6. Payment channels of each type of personal loans 7. Do not exceed the actual expense UOB Cash Plus: via Counter of United Overseas Bank (Thai), mailing cheque, ATM/UOB direct debit, UOB Cyber Banking (www.uob.co.th), Pay at Post, Counter Service, Bank of Ayudhaya, Ek-Chai Distribution System Co., Ltd (Tesco Lotus), TOT PLC, Advance Info Service PLC (mPay STATION), Big C, True Money Co., LTD, CenPay and Cross-Bank Bill Payment UOB I-Cash: via counter of United Overseas Bank (Thai), mailing cheque, UOB direct debit, UOB Cyber Banking (www.uob.co.th), Counter Service, Bank of Ayudha and electronic channels of Siam Commercial Bank

Announced of April 12' 2021 United Overseas Bank (Thai) Public Company Limited

(Mr.Tan Choon Hin) President and CEO