Statement or e-statement

Non-fixed deposits

Irregular deposits are additional deposits made from time to time to the TRH iB USD account. These deposits are made without changing the customer's regular monthly deposits in the system. The system will add the customer's balance in accordance with these irregular deposits.

Customer may make non-fixed deposit by conducting transactions at a branch, and the teller will process the credit to the TRH iB USD account. Customers who make non-recurring deposits are required to close their account at the branch after the savings period has ended.

Maturity date

1. When the savings account matures, all funds will be credited to the source debit account. The maturity date is one month after the schedule/date of the last regular monthly deposit, and the account will be automatically closed by the system.
2. If a debit failure occurs, the funds will be debited (full amount) on the date of the following month until sufficient funds are available in the source account. If it has already entered the next debit cycle, the debited amount will accumulate for two (2) regular debit cycles.

Partial withdrawal before maturity

Auto close feature in TRH iB USD Saving Plan

Basic facilities

1. Customers may open more than one account.
2. No debit card facility for TRH iB USD accounts.

General Terms and Conditions

The process of opening, maintaining and closing savings accounts follows the applicable procedures.

Monthly Auto-Debit

Customer Fund

Account Balance :

- On the 21st = USD 22,000

- From the 22nd - 30th = USD 22,004

Average Balance :

(1 x USD 22.000)+(9 x USD 22.004)

10

USD 22.003

Customer Balance Below the Minimum balance

Account Balance :

- From the 1st - 4th = USD 250,000

- From the 5th - 10th = USD 100,000

- On the 11th = USD 1,000,000

- From the 12th - 19th = USD 200,000

- From the 20th - 23rd = USD 150,000

- From the 24th - 31st = USD 50,000

Average Balance:

( 4 x USD 250.000) + (6 x USD 100.000) + (1 x USD 1.000.000) + (8 x USD 200.000) + (4 x USD 150.000) + (8 x USD 50.000)

31

USD 167.742

Administrative fees due to average balance < USD 1,000,000

USD 15.000