1. Interest Rate and Condition
   
   
   • Get normal interest rate 1.00% p.a. for any amount
   • Get bonus interest 0.50% p.a. for the first 2 million baht when your monthly average balance of the current month is more than or equal to the monthly average balance of the previous month.
      

   Interest Rate (p.a.)

   Balance/ Monthly Average Balance (THB)	Interest (p.a.)
   	Normal	Bonus	Total with Bonus*
   0 – 2,000,000	1.00%	0.50%	1.50%
   The amount more than 2,000,000	1.00%	-	1.00%

   *the effective rate is equivalent to 1.50%-1.00% based on customer’s balance.

   Special! Receive bonus interest for the first account opening month as a bonus for new account
   
   

2. Interest Payment Frequency

   Interest is paid monthly.

   • Normal interest is paid on the last business day of each month.
   • Bonus interest is paid on the first business day of the following month.

     Remark: The Bank will apply effective bonus interest rate per the Bank’s announcement on the 1st business day to calculate bonus interest on monthly average balance of the previous month.

3. Monthly Average Balance Calculation
   Monthly Average Balance (MAB) is the average of the daily deposit amount in a month.
   

   Monthly Average Balance

   =

   sum of daily ending balance

   ---

   number of days in the month**

   **In case of account opening during the month, MAB is calculated from the account opening date until the end of month.

   Example

   Customer opens an account on March 16 for 1,000 Baht, and deposits 2,000 Baht more on March 21, with the total of 3,000 Baht (at the end of the day) and maintain until month end.
   

   Monthly Average Balance

   =

   (THB 1,000 x 5 days) + (THB 3,000 x 11 days)

   ---

   16 days

   =

   2,375 Baht

4. Interest Rate Calculation
   The number of days for calculation is 365 days.
   

   Normal interest

   =

   daily ending balance x normal rate (p.a.) x actual deposit period

   ---

   100 x 365

   Bonus interest

   =

   Monthly Average Balance x bonus rate (p.a.) x actual deposit period

   ---

   100 x 365

   Example of Interest Rate Calculation

   A customer October’s Monthly Average Balance is 1,000,000 baht and on 1 November, the customer deposits more funds, and total balance is now 2,500,000 baht at the end of the day and remain the same until end of month.

   Interest that customer will receive for November calculated as followed.

   1. Normal interest

   • 2,500,000 x 1.00 x 30

     ---

     100 x 365

   • 2,054.79 baht paid on the last business day of November
   2. Bonus interest
   

   Step 1: Calculate monthly average balance

   Monthly Average Balance of Nov.

   =

   (2,500,000 x 29) + 2,502,054.79

   ---

   30

   =

   2,500,068.49 baht

    

   ✓ Customer will receive bonus interest since Monthly Average Balance of November’s is more than October’s.

    

   Step 2: Calculate bonus interest

   Bonus interest is calculated from Monthly Average Balance of November’s for the first 2 million baht.

   Bonus interest

   • 2,000,000 x 0.50 x 30

     ---

     100 x 365

   • 821.91 baht paid on the first business day of December
5. Other terms and conditions of TMRW Savings Account
   • Customers will receive bonus interest for the first account opening month as a bonus for new account. Bonus interest is calculated based on the number of days from the account opening date until the end of month.
   • Monthly Average Balance is calculated once a month at the end of the month. If account is closed during the month, customer will not get bonus interest.
   • An amount of fund which has been transferred in amount after 10.00 p.m. will be calculated for interest and monthly average balance in the next following day.

The account holder will receive personal accident coverage according to the policy terms as follows.

• The account holder must have a deposit balance of at least 3,000-baht one day prior to the accident date.
• The account holder will be covered in the amount of 20 times of the deposit balance in TMRW Everyday Account 1 day before the accident date, maximum coverage of 10 million baht per person regardless of the number of TMRW Everyday accounts which the account holder is holding.
• The account holder who is over 70 years old at the account opening date will receive compensation 70% of the coverage amount.
• Condition of compensation payment, Loss of Life received compensation 100% of coverage amount.
• Dismemberment, Loss of Sight, Loss of hearing (PA 2) received compensation 1-60% of coverage amount.
• In case of Total Permanent Disability received compensation 100% of coverage amount for Total Permanent Partial Disability received compensation 50% of coverage amount.
• The beneficiary must be statutory heir of account holder only and cannot be changed.

Coverage Period

• Coverage starts from the account opening date and ends when the account is closed.

Personal Accident Coverage

• Personal Accident insurance (PA) Type 2 entitlements and extended coverage for driver and passenger of motorcycle. The coverage is due to loss of life, dismemberment, loss of sight, loss of speech, loss of hearing or total permanent disability from murder and assault, but not covering medical expenses.