Remarks:

• The Bank will charge interest rate, service charges, penalty fee or any other fees in clause 1.1 – 1.2 in total not greater than 25% p.a. (Effective Rate)
• The Bank may change interest rates in connection with the personal loan product from time to time by informing the borrower of the change not less than 30 days in advance, except the change on MLR, MRR, MOR, deposit interest rate or default interest rate. For the Personal Loan business under supervision, the Bank will be able to change such rate in accordance with the BOT’s regulation. However, the Bank will provide the written notice to borrowers, if that change affects benefits of the borrowers.
• Payment service fees in clause 4 are payable to the service providers at the payment channel and may be changed, subject to each service provider.
• In the event that there is an amendment to the terms and conditions of any product or service in relation to this terms and conditions that impacts on the customers' use of services such as fee adjustments for the use of financial products or services corresponding to the increased costs, changing service channels, changing conditions or benefits of a financial product or service, changing due date for debt settlement, the Bank shall communicate to or notify the Borrower of the material information of such amendment not less than 30 days prior to the effective date of such amendment, unless there may be significant damage to the Bank, such as the suspension or cancellation of credit card use in the event that the Bank detects fraud or where the customer defaults on the debt or fails to comply with the terms and conditions of using the financial services, the Bank shall be entitled to only notify such actions to the Borrower after such amendment within a reasonable period of time, except where the parties have agreed otherwise.
  
  In this regard, communicating or giving material information of the change under the preceding paragraph does not include cases where the Bank is required to take action under the law or order of the court or government agency.
  
  In the event that such amendment affects the service available to the Borrower, materially causing disadvantageous or increase burdens to the Borrower such as increasing credit card limit or cash card, changing method of notification, the delivery of information and documents from the original format to the electronic data format, the Borrower, has the right to give consent or deny such changes. In the event that Borrower wishes to change such conditions, the Borrower shall give consent for the change within the period and formats as specified by the bank.