GENERAL TERMS AND CONDITIONS OF TERM DEPOSIT WITH ACLEDA BANK PLC.

1. Term Deposit is an agreement between ACLEDA Bank Plc. and customers who deposit at the bank branch or electronic and digital banking services within a certain period to earn high profit sharing and safety.

2. Customer has an option deposit cash as Hi-Growth Term Deposit, Hi-Income Term Deposit, and Long Term Deposit and choose the renewal automatically or stop renewal, depending on specific requirements. The Customers will receive a Certificate or E-Certificate of Term Deposit as proof after agreeing to Certificate of Deposit Form and completely deposit into the bank account.

3. Customer enables to process of cash withdrawal on the maturity date or prematurity date for cash of principle at bank counter or through ACLEDA ATMs:

3.1. Cash withdrawal on the maturity date

• Hi-Growth Term Deposit: principle and profit can be withdrawal on the maturity date.
• Hi-Income Term Deposit: profit can be withdrawal every month and principle can be withdrawal on the maturity date.
• Long Term Deposit: profit can be withdrawal every three months and principle can be withdrawal on the maturity date.

3.2. Cash of principle withdrawal on prematurity date

Customer can terminate the deposit agreement before maturity date and shall apply to the following conditions as below:

3.2.1. Customer who is a representative of a bank or microfinance Institution must inform to ACLEDA Bank Plc. at least 30 business days in advance by completed the terminate certificate of deposit form or written in notice via official letter or by Service Order via E-mail from the authorized person and attach with certificate of Term deposit. The profit is not provided and customers will have to settle the principle to the bank if they have already received monthly profit for Hi-Income Term Deposit and quarterly profit for Long Term Deposit.

3.2.2. Customer who is a representative of a company/entity beside bank or microfinance institution must inform to ACLEDA Bank Plc. at least 30 business days in advance by completed the terminate certificate of deposit form or written in notice via official letter or by Service Order via E-mail without having to attach with certificate of Term deposit if customer requests for cash of principle withdrawal on the prematurity date. The profit will be provided as savings account on the principal amount requested. If they have already received monthly profit for Hi-Income Term Deposit and have already received quarterly profit for Long Term Deposit, they will have to settle cash of principal to the bank.

3.2.3. Customer who is an individual can end the contract before maturity date without having to attach with certificate of Term deposit if customer requests for cash of principle withdrawal on the prematurity date. The profit will be provided as savings account on the principal amount requested for early withdrawal for Hi-Growth Term Deposit and Hi-Income Term Deposit, the customer will have to settle cash of principal to the bank if they have already received monthly profit. Exemption for Long Term Deposit, the customer must inform to ACLEDA Bank Plc. at least 30 business days in advance by completed the terminate certificate of deposit form or written in notice via official letter or by Service Order via E-mail to receive profit sharing as savings account, otherwise profit will be not provided. If customers have already received quarterly profit, they will have to settle cash of principal to the bank.

4. Customer profit income is an imposed tax in accordance with the Prakas on Profit Tax of the Ministry of Economy and Finance.

5. The profit sharing of Term Deposit that was already agreed will not allow to be modifying or changing without the consent of either party while the deposit agreement has not terminated. Except in case of the bank does not renew or early close the contract due to the profit sharing adjustment, the bank will notify the customer in writing an official letter at least 30 days of working day in advance by providing the profit as actually negotiated.

6. Automatic renewal of Term Deposit occurs when customer requests for one or more than one consecutive terms without changing a new agreement number. Such renewal depends on customer orders by providing information when opening the bank account or notifying at any time during the contract period or at least two business days before the end of contract.

7. When customers choose the automatic renewal terms, which means they agree to continue saving money at the bank for cash of principal or cash of principal with received profit and period of Term Deposit will keep as agreed in the first agreement. The profit exemption shall apply to the following conditions:

• The profit is calculated as normal following by the latest official standard sharing of ACLEDA Bank Plc.
• A special profit sharing agreement holding by customer is not allowed to choose the automatic renewal terms but in case there is a need for further deposit, the profit will be calculated as normal sharing.

8. If customer requests for a new certificate of Term Deposit to replace the old one that is lost or damaged, customer will pay for service fee determined by ACLEDA Bank Plc.

9. The bank has full right to refuse, reject, non-renewable or terminate the agreement before maturity date, if your information is related to activities that do not complied with the policies, laws and regulations related to account operations or is directly or indirectly involved with a person or entity prohibited by ACLED Bank Plc.

10. For banking services or other information, please visit your nearest ACLEDA Bank branch or call our 24/7 Call Centre: 023 994 444 / 015 999 233 or E-mail: inquiry@acledabank.com.kh

I/We, the customer of ACLEDA Bank Plc. have read, understood, and agreed to the terms and conditions mentioned above.