Loan Fee

3. External Agencies or Other Business Entities

3.1 Digital YourCash

3.1.1 Payment Fee

Direct Debit	None	ATM	Per Bank Charge
Bank Counter	Per bank charge	Counter Service	Per Counter Service charge
Thailand Post Office Counter	Per Thailand Post Office charge

3.1.2 Credit Bureau Checking Fee

Hit information: 12 baht / time
Non-hit information: 5 baht / time

3.1.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)

None

3.1.4 Collection Expense

(Applicable when the outstanding balance is over 1,000 Baht only)
- Overdue for 1 billing cycle : 50 Baht per debt collection cycle
- Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle

3.1.5 Withdrawal Expense via ATM for AEON Rabbit member Card and Big C Exclusive Caed with Kasikorn Bank, Bank of Ayudhya, Krungthai Bank ,Government Savings Bank and Siam Commercial Bank

13 baht per transaction (VAT included)

3.1.6 Withdrawal Expense via ATM for AEON Rabbit member Card and Big C Exclusive Caed with Bangkok Bank

None

3.1.7 AEON Rabbit Card fee

Entrance fee

100 baht

3.1.8 PromptPay

5 baht per transaction

3.2 Digital YourCash and Digital YourCash-A

3.2.1 Payment Fee

Direct Debit	None	ATM	Per Bank Charge
Bank Counter	Per bank charge	Counter Service	Per Counter Service charge
Thailand Post Office Counter	Per Thailand Post Office charge

3.2.2 Credit Bureau Checking Fee

Hit information: 12 baht / time
Non-hit information: 5 baht / time

3.2.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)

None

3.2.4 Collection Expense

3.2.5 Withdrawal Expense via ATM with Kasikorn Bank, Siam Commercial Bank

13 baht per transaction (VAT included)

3.2.6 Withdrawal Expense via ATM with Bangkok Bank

None

3.2.7 PromptPay

5 baht per transaction

3.3 Happy Loan

3.3.1 Payment Fee

Direct Debit	None	ATM	Per Bank Charge
Bank Counter	Per bank charge	Counter Service	Per Counter Service charge
Thailand Post Office Counter	Per Thailand Post Office charge

3.3.2 Credit Bureau Checking Fee

Hit information: 12 baht / time
Non-hit information: 5 baht / time

3.3.3 Expense in case of insufficient funds in the account for payment
(If payment by direct debit to other financial institutions)

None

3.3.4 Collection Expense

3.3.5 Withdrawal Expense via ATM with Kasikorn Bank, Siam Commercial Bank

13 baht per transaction (VAT included)

3.3.6 Withdrawal Expense via ATM with Bangkok Bank

None

4. Operating Expense

4.1 YourCash

4.1.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.1.2 Return Cheque Fee
200 baht / time
4.1.3 Card Replacement / Lost / Damage Fee
100 baht / card
4.1.4 Statement Re-issue Fee
None
4.1.5 PIN Re-issue Fee
50 baht / time
4.1.6 Request Fee for Transaction Investigation
None

4.2 Digital YourCash-A

4.2.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.2.2 Return Cheque Fee
200 baht / time
4.2.3 Card Replacement / Lost / Damage Fee
None *Remark : Digital YourCash-A doesn’t issue the plastic card and/or any materials to the customers.
4.2.4 Request Fee for Transaction Investigation
None

4.3 Happy Loan

4.3.1 Collection Expense
(Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle
4.3.2 Return Cheque Fee
200 baht / time
4.3.3 Card Replacement / Lost / Damage Fee
None *Remark : Happy Loan doesn’t issue the plastic card and/or any materials to the customers.
4.3.4 Request Fee for Transaction Investigation
None

5. Terms & Conditions

5.1 YourCash

Service Type	Interest & Credit Usage Fee (Per year)
	Interest	Fees	Total
Your Cash Services	15.00%	10.00%	25.00%
Happy Pay Services	15.00%	10.00%	25.00%
Service Types	Minimum Finance Price (Baht)
Your Cash Services	1,000
Happy Pay Services	1,000
Service Types	Minimum Monthly Repayment (Baht)
Your Cash Services	3% of loan amount, but not less than 300 Baht
Happy Pay Services	300
Service Types	Installment Repayment Term (month)
Happy Pay Services	3, 6, 9, 10, 12, 18, 24, 36, and 48

5.2 Digital YourCash-A

Service Type	Interest & Credit Usage Fee (Per year)
	Interest	Fees	Total
Digital YourCash-A Services	15.00%	7.00%	22.00%
Happy Pay Services	15.00%	7.00%	22.00%
Service Types	Minimum Finance Price (Baht)
Digital YourCash-A Services	1,000
Happy Pay Services	1,000
Service Types	Minimum Monthly Repayment (Baht)
Digital YourCash-A Services	3% of loan amount, but not less than 300 Baht
Happy Pay Services	300
Service Types	Installment Repayment Term (month)
Happy Pay Services	3, 6, 9, 10, 12, 18, 24, 36, and 48

5.3 Happy Loan

Service Type	Interest & Credit Usage Fee (Per year)
	Interest	Fees	Total
Happy Loan Services	15.00%	10.00%	25.00%
Service Types	Minimum Finance Price (Baht)
Happy Loan Services	5,000
Service Types	Monthly Repayment (Baht)
Happy Loan Services	Depending on the approved credit line.
Service Types	Installment Repayment Term (month)
Happy Loan Services	6

Fees & Payments

1. Interest, Usage Fee and Other Fees

1.1 YourCash

1.2 Digital YourCash-A

1.3 Happy Loan

The company will calculate the default interest rate not more than 3% per year on default principles (At present, the total of interest rate (normal rate and default rate),charges, and fees are not more than 25% per year).

2. Payment to Government

2.1 YourCash/Digital YourCash-A/Happy Loan

3. External Agencies or Other Business Entities

4. Operating Expense

5. Terms & Conditions

Credit Card Fee

AEON THAI MOBILE

Direct Debit

Payment Option

Payment via Internet