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Terms and Conditions of SCB Rewards Program 2014 1. Definitions 1.1 “Bank” means The Siam Commercial Bank Public Company Limited. 1.2 “Card-member” means a member of any credit card issued by the Bank except for a member of SCB Family Plus Credit Card and a member of any other Credit Cards as prescribed by the Bank. 1.3 “Credit Cards” mean all types of credit card issued by the Bank except for SCB Family Plus Credit Card and any other Credit Cards as prescribed by the Bank. 1.4 “Service Provider” means a manufacturer and/or distributor and/or the product owner and/or the places at which the services are provided, all of which directly related to the rewards specified in the catalog pursuant to SCB Rewards Program and the Card-member shall be entitled to such rewards in accordance with the terms and conditions specified by the Bank. 2. Calculation Method and Points Accumulation 2.1 For every Baht 20 payment through the use of a Credit Card will receive 1 point of SCB Rewards, except the SCB Platinum Credit Card will receive 2 points of SCB Rewards (from 1 normal point). 2.2 The Card-member will receive points of SCB Rewards automatically through domestic and/or overseas use of Credit Card for payments for goods and/or services. The Card-member will not receive points of SCB Rewards in the case of cash advance and Call for Dee Jung, Dee Jung Transfer, cash advance fee, purchase of funds, use of Credit Card in the manner of trade/business purpose, transfer of money into Credit Card account which results in increasing credit line amount so that such credit line amount exceeds the credit line amount as prescribed by the Bank, other fees, penalty fee, interest and any of additional payment in accordance with Clause 3.1.1(2) and any other cases as specified by the Bank on a case by case basis. 2.3 The Card-member who will receive points of SCB Rewards must be a Card-member whose status, at the time the accumulated points of SCB Reward is obtained, remains valid and normal with a good payment record and without defaulting in payment pursuant to the terms and conditions of the Bank and without breach and/or violation of any regulation and/or condition for being the Card-member. In this regard, the Bank shall have the right to claim the accumulated points of SCB Rewards back if it is found later that the qualification of the Card-member is not correct. 2.4 The point accumulation under SCB Rewards Program will be valid until 31 December 2016, however, in the even that Bank needs to change the validity of the point accumulation, Bank shall inform the Card-member in advance as the Bank may deem appropriate. 2.5 The Bank will calculate the Card-member’s points of SCB Rewards obtained in each month in accordance with the total amount of payments for which each of the Credit Cards is charged in respect of each of such items and pursuant to each period the statements of use of the Credit Card is issued to the Card-member. 2.6 The Card-member will be informed its monthly points of SCB Rewards obtained as shown in each of the statements of use of the Credit Card and such points earning also be available through telephone call at SCB Easy Call Center, number 02-777-7777 press 3 for Credit Card Services and press 7 for SCB Platinum Credit Card. 3. Redemption for SCB Rewards Merchandise 3.1 Terms and Conditions for General Merchandise Redemption: 3.1.1 The Card-member can redeem its SCB Rewards points for merchandise by either of 2 options: (1) Redemption for merchandise by using the accumulated points of SCB Rewards solely; or (2) Redemption for merchandise by using parts of accumulated points of SCB Rewards together with making additional payment for the balance required for such Merchandise; and, will inform the additional payment amount charged to the Card-member by notifying in the statement. However, the Bank reserves its right not to accumulate the points from this additional payment. 3.1.2 The Card-member, both kinds of primary and supplementary are entitled to redeem for the merchandise pursuant to the SCB Rewards Program by using the points of SCB Rewards in its own Credit Card except for the Card-member of the primary Credit Card which can use the points of SCB Rewards in any of supplementary Credit Card under its own primary Credit Card. In this regard, the combination of the points of primary Credit Card and/or supplementary Credit Card shall be in accordance with the conditions specified in Clause 3.1.5. 3.1.3 The Bank reserves its rights to accept the redemption made by the Card-member whose status, as of the redemption date, remains valid without overdue of the payment of the outstanding balance. Should the Credit Card have been refused to be renewed/ there be no existence of the Credit Card but the points of such Credit Card still remain, the Bank reserves its rights not to allow the merchandise redemption in any event or for whatever reasons. 3.1.4 To redeem points of SCB Rewards for merchandise (other than mileage redemption under Royal Orchid Plus Program), the Card-member may choose one of the following 5 (five) options: 3.1.4.1 Complete the merchandise redemption form as provided in the catalog and return such completed form to the Bank by mail with return receipt. 3.1.4.2 Complete the merchandise redemption form as provided in the catalog and return such completed form to the Bank by fax number 02-777-6813. 54


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