1. Customers that have used hire purchase credit of KK Bank and have good payment record over the past 24 months. 2. A natural person age 20-60 years. 3. With income not lower than 8,000 Baht per month. 4. Has a residence and a telephone number that can be conveniently reached.

	You can use the payment card to pay the Bank’s payment representatives as follows.

	Pay in cash at post offices, Counter Service, 7 - ELEVEN, M-pay Stations and any Tesco Lotus branch in Thailand.
	Pay at the counter of Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, and also any branch of the Bank for Agriculture and Agricultural Cooperatives (BAAC). If pay by cheque, we do not accept pre-dated cheques. And we accept only cheques using the same clearing house as us.
	Pay via ATM machines of the Bangkok Bank, Kasikorn Bank, and Siam Commercial Bank. Please follow the steps as shown on the ATM screen. (for Kasikorn Bank, use the code 33503).
	Pay by telephone banking services. Follow the steps as described.
		- Bangkok Bank (Bualuang Phone) for ATM cardholders, Call 0-2645-5555 or 1333. - Kasikorn Bank (K-Contact Center) for ATM cardholders, Call 0-2888-8888. - Siam Commercial Bank (SCB Call Center) for ATM card holders, Call 0-2777-7777.
	Pay via Internet banking: www.bangkokbank.com for Bangkok Bank, www.kasikornbank.com for Kasikorn Bank, and  www.scbeasy.com for Siam Commercial Bank.
	Users are responsible for paying the service fees as set by the Bank’s payment agent.

No limitations on objectives of the loan; can use it for various purposes depending on your needs. High credit limit and low interest rate, a special privilege only for current customers of Kiatnakin Bank. Uncomplicated procedure, personal assets to put down for guarantee not necessary. For customers in occupations without documents to show income source, especially farmers, the Bank will refer to evidence of income as contained in past hire purchase agreements with the Bank (provided there has been no change in occupation). Quick processing, within 1 working day, and money will be transferred to your account within 2 working days.

Interest rate depends on loan amount and historical record of car hire-purchase with the Bank.

Credit processing fee is 1.0% of credit amount.

Revenue stamp is 0.05% of credit amount.

Collection fee in case of missed payment is 250Bht. per installment missed.

Fee in case of paying back loan ahead of schedule is 5.0% of balance unpaid. Total amount to be charged is to be no more than 28% per year.

Kiatnakin Bank Public Co., Ltd Details on interest rates, penalties, service charges, fees, and expenses,  that are reasonable and incurred,  connected with personal loans under bank supervision,  effective from 3 August 2008 onwards   1. Interest rate, penalties, service charges, fees   Interest rate, penalties, service charges, fees not more than 28 % per year           2. Expenses as paid out and reasonable, given the circumstances   2. Expenses paid out in fees etc. to the authorities.     2.1 Stamp duty 0.05% of loan            3. Expenses paid to other organizations or persons   3.1 Expenses connected with payments paid by bank debit - Bht. /time     Paid at bank counter 15-30 Bht. /time     Paid at payment center 10-20 Bht. /time     Paid by ATM - -     Paid by automatic telephone service - -     Paid through the internet - -     Paid by cheque or postal money order - -   3.2 Expenses for credit bureau check   12 Bht. /time   3.3 Expenses in case insufficient money in account (for cases in debiting account of other banks)   - -   3.4 Expenses incurred in debt collection*   250 Bht. /time           4. Expenses that are costs to the Bank   4.1 Expenses incurred in debt collection*   - -   4.2 Expenses in case of returned cheque (not more than 200 Bht./incident)   200 Bht./ request   4.3 Expenses for issuing new card in case of loss or damage   - -   4.4 Expenses for request statement of each monthly payment (only for request of 2nd copy)   100 Bht./ request   4.5 Expenses for request of new ID code to replace old one   - -   4.6 Examination and verification fee (for cases using the card to make withdrawals)   100 Bht./ request

Note: * The same type of expenses as contained in no. 3.4 and 4.1 can not be double-charged to the customer. The expenses shall be calculated in terms of actual expenses paid and that it is an amount appropriate to the circumstances.  For more information please contact: Personal Loan Marketing Department on 02-680-3333 or visit any branch of  Kiatnakin Bank