Siam Commercial PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Fee Other Expenses 1. Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Interest Maximum rate in normal cases 16 % p.a. Maximum rate in default cases 16 % p.a. Penalty for delayed payment - % p.a. Credit usage fee - % p.a. Fee or other service charges - % p.a. Interest charge date Charged from [ / ] Date of Payment to Merchants / Date of Cash Advance [ ] Date of Transaction Summary [ ] Due Date

2. Minimum installment payment rate 2.1 5% of the total amount to be paid as stated in the credit card statement (for years 2020-2022) 2.2 8% of the total amount to be paid as stated in the credit card statement (for years 2023) 2.3 10% of the total amount to be paid as stated in the credit card statement, but not less than 500 baht, whichever is higher (effective from year 2024) 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 Cash advance fee 3% of withdrawn cash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the statement date 4.2 Cash advance: No interest-free period (Interest is charged immediately when the cash advance is withdrawn)

Siam Commercial Bank PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Fee Other Expenses 5. Fees for Each Type of Card (Baht / Year) SCB Credit Card SCB Xtra Platinum / Administrative Fees SCB King Power Platinum / Silver Gold SCB Toyota Platinum Entry Primary Card “None” “None” “None” Supplementary Card “None” “None” “None” Annual Primary Card 1,200 2,000 2,000 Supplementary Card “None” “None” “None”

SCB Titanium SCB UP2ME SCB SCB Platinum Limited / Administrative Fees Golf / SCB Sansiri Platinum SCB Ultra Platinum Family Plus Entry Primary Card “None” “None” “None” “None” Supplementary Card “None” “None” “None” “None” Annual Primary Card 2,000 “None” 5,000 5,000 Supplementary Card “None” “None” “None” “None”

SCB Beyond SCB SCB Prime SCB First SCB Administrative Fees My Travel Private Banking Entry Primary Card “None” “None” “None” “None” “None” Supplementary Card “None” “None” “None” “None” “None” Annual Primary Card 5,000 3,000 “None” “None” “None” Supplementary Card “None” 3,000 “None” “None” “None”

SCB M Live SCB M Luxe SCB M Legend SCB JCB Administrative Fees Visa Platinum Visa Signature Visa Infinite Platinum

Entry Primary Card “None” “None” “None” “None” Supplementary Card “None” “None” “None” “None” Annual Primary Card 500 4,000 10,000 “None” Supplementary Card 250 2,000 2,000 “None”

Siam Commercial Bank PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Fee 6. Payment Fee • Paid at SCB - Payment by cheque or money order “None” - Payment by SCB Direct Debit “None” - Payment at SCB Counter “None” - Payment via SCB ATM/ Laser ATM/ CDM “None” - Payment via SCB Easy Net “None” - Payment via SCB Easy Application “None”

• Payment at KTB Counter - Payment at branches in , Nonthaburi, Pathum Thani, and Samut Prakan 15 baht/time - Payment at branches in other provinces 20 baht/time - Additional fee for payment of more than 500,000 baht 0.10% of the exceeding amount, maximum 1,000 baht • Payment by KTB ATM 10 baht/time - Additional fee for payment of more than 500,000 baht 0.10% of the exceeding amount, maximum 1,000 baht • Payment via KTB Netbank 10 baht/time - Additional fee for payment of more than 500,000 baht 0.10% of the exceeding amount, maximum 1,000 baht • Payment via KTB Telebanking 10 baht/time - Unlimited amount for payment in Bangkok, Nonthaburi, Pathum Thani, Samut Prakarn, and provincial areas

• Payment at GSB Counters - Payment at branches in Bangkok, Nonthaburi, Pathum Thani, and Samut Prakan 10 baht/time - Payment at branches in other provinces 20 baht/time - Additional fee for payments of more than 50,000 baht 0.10% of the exceeding amount, maximum 1,000 baht Siam Commercial Bank PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Fee • Payment via other /service providers* - Payment via electronic channels No more than 5 baht/time - Payment via counter service No more than 20 baht/time * Remarks: Please refer to the Bank of ’s website for a list of participating banks and service providers. Service fees and conditions are determined by each bank/service provider.

• Payment Service Points - Any Tesco Lotus Express and Tesco Lotus branches 10 baht/time Maximum 2 times/card/ day (Maximum 49,000 baht/time)

- Any Big C and Mini Big C branches 10 baht/time Maximum 5 times/card/day (Maximum 49,000 baht/time)

- AIS Shop, Telewiz, and mPAY STATION 15 baht/time (Maximum 49,000 baht/time)

- Counter Service 15 baht/time (Maximum 49,000 baht/time)

- Post Office 10 baht/time (Maximum 50,000 baht/time

Siam Commercial Bank PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Fee - True Money Kiosk 10 baht/time (Maximum 30,000 baht/time)

- True Money Express 15 baht/time (Maximum 30,000 baht/time)

- M Bill Pay The Mall Group “None” (Maximum 49,000 baht/time)

• Payment via Mobile Application Services - True Money Wallet Application 10 baht/time (Maximum 90,000 baht/time) 7. Fee for issuing a new card in case of loss/damage 7.1 Loss “None” 7.2 Damage • SCB Credit Card (Silver, Gold), SCB Xtra Platinum, SCB King Power 150 baht/time Platinum, SCB Toyota Platinum, SCB Titanium Golf, SCB Family Plus, SCB UP2ME, and SCB JCB Platinum • SCB Platinum Limited, SCB Ultra Platinum, SCB Beyond, SCB Sansiri “None” Platinum, SCB My Travel, SCB M Live Visa Platinum, SCB M Luxe Visa Signature, SCB M Legend Visa Infinite, SCB Prime, SCB First, and SCB Private Banking 8. Fee for statement request 8.1 SCB Credit Card (Silver, Gold), SCB Xtra Platinum, SCB King Power 50 baht/time Platinum, SCB Toyota Platinum, SCB Titanium Golf, SCB Family Plus, SCB UP2ME, and SCB JCB Platinum 8.2 SCB Platinum Limited, SCB Ultra Platinum, SCB Beyond, SCB Sansiri “None” Platinum, SCB My Travel, SCB M Live Visa Platinum, SCB M Luxe Visa Signature, SCB M Legend Visa Infinite, SCB Prime, SCB First, and SCB Private Banking Siam Commercial Bank PCL Details on Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Applicable for Credit Card Usage No. 2/2021 Effective from: 12 September 2021 Interest Rates, Penalties, Service Fees, Charges, and Other Expenses Fee 9. Fee for requesting a copy of a sales slip 9.1 SCB Credit Card Silver (Mastercard), SCB Credit Card Gold 200 baht/time (Mastercard), SCB Xtra Platinum, SCB King Power Platinum (Master Card), SCB Titanium Golf, SCB Family Plus, SCB UP2ME, and SCB JCB Platinum 9.2 SCB Beyond, SCB My Travel, and SCB Credit Card First “None” 10. Fee for PIN replacement 10.1 SCB Credit Card (Silver, Gold), SCB Xtra Platinum, SCB King Power 150 baht/time Platinum, SCB Toyota Platinum, SCB Titanium Golf, SCB Family Plus, SCB UP2ME, and SCB JCB Platinum 10.2 SCB Platinum Limited, SCB Ultra Platinum, SCB Beyond, SCB Sansiri “None” Platinum, SCB My Travel, SCB M Live Visa Platinum, SCB M Luxe Visa Signature, SCB M Legend Visa Infinite, SCB Prime, SCB First, and SCB Private Banking 11. Fee for requesting transaction verification “None” 12. Debt collection fee 12.1 One overdue payment cycle 50 baht/debt collection cycle* 12.2 More than one overdue payment cycle 100 baht/debt collection cycle* 13. Tax and duty “None” 14. Risk fee for currency conversion 2.5% of spending amount or cash advance in foreign currencies * A debt collection cycle runs from the default date of the overdue payment period until the due date of the next billing cycle. A cycle shall not be shorter than one month Remarks: - SCB My Travel Credit Card charges an annual fee in the first billing period after the card is approved. - Credit card service provider VISA INTERNATIONAL no longer provides back-dated sales slips copies as of October 16, 2020. SCB is therefore unable to supply back-dated sales slip copies for VISA credit cardholders. - From 15 October 2021, credit card service provider Mastercard International will no longer provide service for requests of sales slip copies. The service will therefore not be available for Mastercard credit cardholders. - When using credit cards overseas, cardholders are liable for other expenses such as fees for using ATMs overseas. - Penalties, service fees, charges, and other expenses in nos. 3, 5, and 7-12 are exclusive of VAT. - Cardholders acknowledge and agree that any expenses incurred from card spending (including cash advances) in foreign currencies shall be collected in 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. Spending amounts in non-US dollars may be converted into US dollars and then baht for collection from the Bank. Cardholders are advised to check currency exchange rates for initial reference at: For VISA: http://usa.visa.com/personal/card-benefits/travel/exchange-rate-calculator.jsp For Mastercard: http://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html For JCB: http://www.jcb.co.jp/r/globalrate.html In addition, cardholders acknowledge and agree that the Bank will charge an additional fee of no more than 2.5% of the spending amount as a hedging fee against currency exchange risks.