1 2 Siam Commercial Bank's Pride Premier privileges to define your success

Established as the Book Club in 1904, the Bank transformed into "Siam Commercial Bank Limited” on January 30, 1906 and expanded steadily throughout the past century. Listed on the Stock Exchange of in February 1993 as “Siam Commercial Bank Public Company Limited”, the Bank soon emerged as Thailand's premier universal bank.

With strong fundamentals, the Bank operates with strong adherence to ethical codes of conduct. SCB is the first bank to set up a private banking unit providing one-stop personalized financial and investment services and professional portfolio investment advice.

3 4 SCB Private Banking

Success and wealth can only happen to those who believe. SCB Private Banking, a provider of high class exclusive wealth management services, is ready to invite you with great pride to the world of success.

Siam Commercial Bank is pleased to congratulate you on your great success, and would be very honored to offer you our full range of superior financial solutions, an exclusive privilege especially designed for those with 50 million baht or more in deposits and/or investments with us, to fulfill all your special financial objective as well as preserve and enhance your wealth.

5 Contents

Introduction

8 Financial Privileges 9 Wealth Management Services 10 Professional Investment Advisor 11 SCB Wealth Holistic Experts 12 Investment Solutions 12 Business Solutions

13 Banking Services 14 SCB Investment Center 15 SCB Lounge & SCB Private Banking Lounge 16 Exclusive Seminar & Financial and Investment Insight 17 Others

19 Lifestyle Privileges 20 Travel 21 Flight Upgrade 22 Priority Pass Card 23 Thai Airways' Royal Silk / Royal Orchid Lounge 24 The Coral Executive Lounge & King Power Lounge 25 Limousine & Buggy Service 26 International Car Rental Service 27 Travel Insurance

6 28 Living 39 Exclusive Shopping at King Power 30 Wellness & Private Relaxation at Health Land / Let's Relax 32 Golf Privilege 34 Fitness Privilege 36 Reserved Parking 37 Samitivej First 38 Personal Assistant Service 41 Exclusive Entertainment & Private Trip

42 Dining 43 Dining Privilege 46 Banyan Tree 47 Grand Hyatt Erawan Bangkok 48 JW Marriott Hotel Bangkok 49 Mandarin Oriental Bangkok 50 Renaissance Bangkok Hotel 51 Siam Kempinski Hotel Bangkok 52 The Okura Prestige Bangkok 53 The Sukhothai Bangkok

54 Special Reward Points

7 Financial Privileges

8 Wealth Management Services

9 SCB Private Financial and Investment Services

Exclusive privileges for your successful financial planning. Effective asset management can bring additional yields to your life's work. Because we truly understand how much financial matters mean to you, we leverage our investment expertise and professionalism to suit your every individual need to endlessly grow your wealth.

10 Professional Investment Advisor Professional Investment Advisor service offers a plan of action for asset allocation and portfolio management best suiting individual goals and risk appetites. Our advisors also closely monitor your portfolios to recommend investment products and strategic plans aligned with situations and interesting new investment opportunities. SCB Wealth Holistic Experts A financial and investment consultation service featuring SCB Wealth Holistic Experts offering in-depth financial and investment planning and covering all asset classes to truly meet customer requirements.

• SCB Chief Investment Office The SCB CIO Office serves as an intelligence center providing financial and investment news updates and analysis, including global economic situations, to help develop strategies and investment portfolios. The office is run by a professional team with strong backgrounds as fund managers, stock analysts, and investment planners. • SCB Wealth Research Group A team managed and run by SCB Securities Co., Ltd. (SCBS) offering investment advice to grow your wealth. Working closely with the SCBS Research Group and the SCB Economic Intelligence Center (SCB EIC), the team, comprising macro- and micro-economic and industrial experts with access to data, develops world class research and investment analysis overing a full range of financial products offered in local and global markets. • SCB Estate Planning & Family Office SCB Estate Planning & Family Office provides consultation to help lay a stable foundation for families and to transition the legacy of your family business. • Estate Planning: The service that provide advice on family property management including of planning for the sustainable transfer of assets to the next generation • Family Office: The service that provide advice for setting up a business structure that is appropriate for your own business and family.

11 Investment Solutions • Wealth Planning A service designed to help customers grow their assets with integrated wealth planning services delivered by a team of experts offering personalized investment advice and selected services to suit every stage of your life. • Open Products & Service Platform A personalized service designed to help customers choose high performance financial and investment products from around the world to suit individual requirements, such as life insurance, mutual funds, structured notes, products from SCB Securities Co., Ltd., and other world-class partners. • Securities Trading An investment advisory service for securities trading with SCB Securities Co., Ltd. • Private Fund A service, run by SCB Asset Management Co., Ltd. (SCBAM), is designed to help launch private funds, with clients playing a role in determining investment policy. • Alternative Investment Advisory An investment advisory service for commodity trading and alternative investment to suit customers’ interests. • Structured Products An alternative investment service in structured notes for those seeking to optimize returns based on the pricing of various reference assets. • Lombard Lending A multi-purpose revolving credit line Business Solutions A variety of solutions to satisfy business demands and offer connections to networks of SCB Group companies, leading corporations, and state agencies to support and expand your business to achieve even higher success. • Commercial and general loans • Business advisory, .e.g. IPO, liquidity management, and many more • Advisory service to offer strategic planning to become a business leader • Capital market service with a long track record of successful deals for leading firms, in both the private and public sectors, including sophisticated instruments for volatile markets

12 Banking Services Exclusive and Best-In-Class Privileges

13 SCB Investment Center Immerse yourself in a new personal wealth management experience with our fully integrated investment centers offering expert advice and providing Investment Advisory experiences tailored exquisitely for today’s investors through innovative technology to bring real benefits to your investment with the following services; • Exclusive Seminars by various investment expert adviser to keep you updated with investment perspectives and trends • Expert Advisory service for private in-depth investment consultation through VDO Conference. • Investment Room service provided for investors to analyze Thai and international trading for the best investment decision. • Meeting Room designed for a personalized financial advisory service in an enhanced private and comfortable atmosphere. • Safe Deposit Box service to protect your asset in highly secured standard and convenience. Exclusively available at CentralWorld, and . *Exclusive offer: Biometrics system Safe Deposit Box provides access control by your own fingerprints and iris, along with 6 digits passcode.

For booking For more details https://investmentcenter.scb.co.th/booking https://scbinvestmentcenter.scb.co.th/ Locations • CentralWorld, 5th Floor • , 3rd Floor • Central Embassy, 4th Floor • ICONSIAM, 4th Floor • Central Plaza Rama 2, G Floor • Central Plaza Rama 3, 3rd Floor • (Srinakarin), 3rd Floor • Sasin School of Management, 1st Floor • Samitivej Sukhumvit Hospital, 1st Floor • Central Plaza Nakhon Ratchasima, 3rd Floor • Central Plaza Khonkaen, 2nd Floor • Central Phuket Floresta, 3rd Floor • Centralfestival Pattaya Beach, 4th Floor Remarks: • 1. This privilege is for SCB Private Banking Primary cardholder with one accompanying guest per one visit to seminar and meeting room service. • 2. For Expert Advisory, please make reservations 5 days in advanced with the following schedule; - SCB Chief Investment Office: Monday, Wednesday ,Friday between 13.30-17.30 (1 hour/session) - SCB SECURITIES: Tuesday at 15.00-16.00 (1 hour/session) • 3. Booking service via website requires Primary cardholder’s mobile number registered with the bank for verification. • 4. Please present SCB Private banking credit card and QR code or PIN received from booking system at SCB Investment Center’s front desk. 14 SCB Lounge At Siam Paragon 3rd fl. (Living Gallery 2 Zone) Open daily 11.00 - 19.00 hrs.

SCB Private Banking Lounge Experience high-end lounge areas and one-stop service. In addition to a personalized financial advisory service in a private atmosphere, our SCB Private Banking officer would be pleased to provide you with financial services to enhance your convenience. You can also just sit back and enjoy refreshments at the following branches:

• Royal Paragon • EmQuartier • Asoke - Thai Red Cross • Chidlom • Central Plaza Lardprao • Soi Arisamphan • Thanon Ramkhamhaeng (Sammakorn) • CP Tower (Thanon Silom) • Siriraj • Ramathibodi • Central Plaza WestGate • Centralfestival EastVille • Central Plaza Pinklao • Samut Sakhon • Faculty of Medicine, Chiang Mai University • Centralfestival Chiang Mai • The Mall Korat • Central Festival Hatyai

Conditions for SCB Lounge: • 1. Please present your SCB Private Banking Card and ID card when requesting services. • 2. SCB reserves the right to offer SCB Private Banking privileges to customers who have maintained average total assets of 10 million baht or more with the Bank for the past 6 months and as of the date when this privilege is requested. • 3. Limit 1 time/day with one accompanying guest. • 4. The privilege is exclusively for SCB Private Banking primary cardholders and cannot be transferred to others. Conditions for SCB Private Banking Lounge: • 1. Please present your SCB Private Banking Card when requesting services. • 2. Only one accompanying guest is allowed per card/time/day under conditions of each branch. 15 Private Exclusive Seminar Keep abreast with finance and investment trends by both local and international experts from various business sectors, who will provide asset management perspectives, visions, techniques, and strategies for your investments. Financial and Investment Insight Special privilege for market and investment news updates, including local and global economic reports and analysis to take advantage of market trends around the globe via

• Website: www.scb.co.th/th/privatebanking.html • Email • SCB Connect Scan below QR Code to apply SCB Connect

16 Others

• ATM Annual Fee Receive fee waivers for SCB ATM/Debit Card annual fee (1 card/year, excluding debit plus cards of all types).

• Deposit Box Receive a 50% discount on deposit box annual fee (limit 1 deposit box per person).

• Cheque Fee Waived Receive fee waivers when purchasing bank cheques and gift cheques (up to 5 items per day).

• Currency Exchange Get special currency exchange rates.

17 • Get special discounts off of daily announced rates for notes sold.

Amount Purchased Discount USD 5,000 or more or equivalent in other currencies 0.12 baht/1 USD USD 2,000 – 4,999 or equivalent in other currencies 0.10 baht/1 USD Less than USD 2,000 or equivalent in other currencies 0.05 baht/1 USD • Get 0.25% off for traveler's cheques (T/C SOLD) (from the regular rate of 1.00% to 0.75%).

• Get a 100 baht discount for international fund transfers via T/T or SWIFT (from the regular rate of 550 baht to 450 baht).

• Special Lending Interest Rate • Mortgage (New Home/Re-finance) • My Home My Cash • My Car My Cash

Remarks: • 1. SCB reserves the right to amend rules, conditions, duration of the offered privilege, or cancel the promotion without prior notice. • 2. Please contact your Private Banker or SCB Private Banking Contact Center for more information as interest rates may be changed subject to the Bank’s announcement. 18 Lifestyle Privileges

19 TRAVEL

20 Flight Upgrade For credit cardholders with accumulated spending amounts meeting requirements during 1 January 2020 - 31 December 2020 For extra comfort throughout your journey when flying with Thai Airways to any of 43 destinations in Asia, upgrade your air ticket to one class higher, from Economy class to Business class or from Business class to First class.

Book your air ticket with SCB Travel Service at 02-777-6741 (Monday - Friday: 9:00 am- 6:00 pm and Saturday: 9:00 am- 12:00 pm) *The privilege is exclusively for SCB Private Banking credit cardholders with a minimum accumulated amount of 1 million baht spent with the SCB Private Banking credit card. Validity period: January 1 - December 31, 2020

Thai Airways Terms and conditions: • 1. Available flight upgrades are as follows: From Economy class to Business class: H/M/B ticket classes to J class only, from Business class to First class: J/D ticket classes to P class only. • 2. Ticket conditions are as specified by Thai Airways. • 3. Flight upgrades are available for international flights from Bangkok to 43 destinations in Asia with distances up to 3,600 miles per sector, except flight TG614. • Check routes and distances at the Mileage Upgrade Awards on THAI Chart: https://www.thaiairways.com/en_TH/rop/Redeeming/Redeeming_Award_UpgradeAwards_onTHAI2.page? • 4. Flight upgrades are available for redemption only when the booking is confirmed. • 5. The privilege cannot be used in conjunction with tickets from other promotional campaigns. • 6. In case of dispute, SCB’s judgment is final. • 7. The privilege is valid during January 1 - December 31, 2020. Bookings and departure flights must be completed by December 31, 2020. Remarks: • 1. The privilege is exclusively for SCB Private Banking primary cardholders and cannot be transferred to others. • 2. SCB reserves the right to offer SCB Private Banking privileges to customers who have maintained average total assets of 10 million baht or more with the Bank for the past 6 months and as of the date when this privilege is requested. • 3. Total assets with the Bank shall include outstanding deposits and/or paid insurance in the year of purchase, and/or investment in mutual funds managed by SCB Asset Management Co., Ltd., such as LTF/RMF, Term Funds, including funds from the open architecture platform and/or SCB Bills of Exchange and/or SCB subordinated debentures with a term of 6 months or longer. • 4. The privilege is exclusively for SCB Private Banking credit cardholders with a minimum accumulated amount of 1,000,000 baht spent with the SCB Private Banking credit card. • 5. Such accumulated amounts spent exclude all purchases of funds, paid insurance premiums for SCB and its subsidiaries, interest, penalty fees and other fees, cancelled items, cash advances (including Dee Jung Transfer), monthly installments, monthly/annually direct debits, and purchase of currency exchange. Accumulated amounts spent are calculated for the period during January 1 - December 31, 2020. • 6. The privilege is considered redeemed only when payment is made and the air ticket is issued. Reservation without payment is not considered privilege redemption. • 7. Flight upgrades are allowed for one round-trip air ticket/calendar year (starting from the credit card approval date). In the event that a credit cardholder’s accumulated amount spent meet the requirements in December 2020 and their flight upgrade privilege is not redeemed in December 2020, the privilege remains valid for redemption until March 31, 2020. • 8. Air tickets must be booked with SCB Travel Service and paid with the SCB Private Banking credit card only. • 9. In case of dispute, SCB’s judgment is deemed final. 21 Priority Pass Card Access to Priority Pass lounges at leading airports around the world Receive exclusive access for you and one accompanying guest at the Priority Pass lounges located in more than 1,200 airports around the world. Enjoy food, drinks, and other amenities that have been selected for your comfort.

Validity period: January 1 - December 31, 2020

Conditions: • 1. The privilege is exclusively for primary SCB Private Banking credit cardholders whose primary SCB Private Banking credit card has been activated and cannot be transferred to others. • 2. SCB reserves the right to offer the privilege to active SCB Private Banking credit cardholders with combined average assets over the past 6 months and account balance at SCB of at least 10 million baht at the privilege redemption date. • 3. Assets at SCB mean balances of deposit accounts, insurance premiums paid during the year, investment in such mutual funds as LTF/RMF, term funds, open architecture funds under the management of SCB Asset Management (SCBAM), SCB bills of exchange (B/E) or subordinated bonds with a minimum maturity period of 6 months (excluding other types of subordinated bonds). • 4. The privilege is extended for guests of primary SCB Private Banking credit cardholders by one guest/card/time/airport. In case of more than one guest, SCB reserves the right to charge lounge fees to your SCB Private Banking credit card at a rate of one SCB Private Banking Rewards point + 950 baht/guest. • 5. The Priority Pass privilege is for international flights only and not available at airport lounges at domestic airports. In the event a credit cardholder wishes to use an airport lounge for domestic flights, they shall be responsible for lounge fees at the rate specified by SCB.• 6.Please present your Priority Pass and boarding pass with matched names to access an airport VIP lounge. • 7. he validity period of the Priority Pass is as specified on the pass. • 8. Terms and conditions are as specified by the service provider. For more information, please visit http://www.prioritypass.com or download the Priority Pass app from App Store, Google Play, or Blackberry App World. • 9. SCB reserves the right to renew Priority Pass, amend conditions, or cancel this privilege with notification at least 30 days in advance of taking action. • 10. In case of dispute, SCB’s judgment is final. 22 Thai’s Royal Silk Lounge/ For additional comfort on your travels, we offer a complimentary to access the services of Thai’s Royal Silk Lounge/Royal Orchid Lounge when travelling Royal Orchid Lounge with Thai Airways or Thai Smile. Simply show your SCB Private Banking card together with your Boarding Pass for services at following airports:

• - Domestic : Concourse A - International : Concourse C (East-West) and Concourse E (East-West) • Five Other airports - Chiang Mai, Chiang Rai, Hat Yai, Phuket, and Khon Kaen

Validity period: January 1 - December 31, 2020 *Limit 2 times/calendar year. Services at all Royal Silk Lounge, Royal Orchid Lounge and The Coral Executive Lounge are accumulated.

Conditions: • 1. The bank reserves the right to allow upgrades only for SCB Private Banking (Primary Card) cardholders who maintain valid membership status with total deposits and/or insurance premiums paid during the year and/or investment amount with the bank worth 10 million baht or above as of the transaction date. • 2. The lounge access can be used only 2 times/calendar year (from the date of credit card approval) and within December 31, 2020 only. • 3. This lounge access is only valid for those travelling with Thai Airways or Thai Smile on domestic/international routes. • 4. The cardholder can use the lounge for a maximum of 2 hours and 30 minutes per time. In case the cardholder uses the lounge in excess of this time limit, additional payment must be made based on the rates determined by Thai Airways. This payment must be made in cash. • 5. Accompanying persons may use the lounge together with the SCB Private Banking card holder in case of travel on the same flight. Charges for using the lounge has to be made in cash based on the rates determined by Thai Airways. • 6. The lounge access does not include additional services such as massage, bathing room facilities, etc. Use of such amenities will be charged at the rate determined by Thai Airways. • 7. SCB Private Banking reserves the right to collect the additional fees for services beyond the offer made by the bank. • 8. Terms and conditions for the use of the lounge are determined by Thai Airways. 23 The Coral Executive Receive exclusive access at The Coral Executive Lounge. Just present SCB Private Banking card with boarding pass to access the service at Donmuang Airport and Lounge other domestic airports such as Phuket, Hat Yai, Udon Thani, Chiang Rai and Chiang Mai Validity period: January 1 - December 31, 2020

King Power Lounge Receive access to the exclusive lounge at the King Power Downtown Complex on Rangnam Road and King Power Duty Free at Suvarnabhumi Airport with two accompanying persons.

Validity period: January 1 - December 31, 2020

Coral Executive Lounge Conditions: • 1. This offer is reserved only for SCB Private Banking members who hold the primary SCB Private Banking credit card that has been activated only and/or maintain valid membership status with total deposits and/or insurance premiums paid for 6 months and/or investment amount with the bank worth 10 million baht or above as of the transaction date. • 2. The Coral Executive Lounge privilege is for domestic flights only. • 3. Privilege is not transferable. • 4. Cardholder is reserved the right of using the service at The Coral Executive Lounge 2 times/calendar year (starting from card issued date). Services at all TG Lounge are accumulated. • 5. The cardholder can use the lounge for a maximum of 2 hours and 30 minutes per time. In case the cardholder uses the lounge in excess of this time limit, additional payment must be made based on the rates determined by TG Lounge and The Coral Executive Lounge. This payment must be made by SCB Private Banking credit card or in cash. • 6. The lounge access does not include additional services available for international routes passengers. Use of such amenities will be charged at the rate determined by Thai Airways. • 7. Terms and conditions of the privilege is determined by TG Lounge or the Coral Executive Lounge. • 8. SCB is not involved with the service provider and reserves the right not to be responsible for any inconveniences caused by the provider. • 9. SCB reserves the right to make any changes to the terms and conditions of the offer without prior notice. • 10. In case of dispute, SCB’s decision is final. • 11. In case cardholder is unable to obligate terms and conditions ie. Cardholder does not maintain sufficient saving/fund as specified by SCB Private Banking criteria or excess of domestic travelling more than 2 times/calendar year or excess of accompanying numbers, payment will be charged at 1 person = 1 point + 950 baht by SCB. In case cardholder exceeds numbers of service offered, SCB will take points and cash balance through SCB Private Banking credit card. King Power Lounge Conditions: • 1. Access to the King Power Lounge is reserved only for SCB Private Banking members (Primary Card only) whose credit card has been approved and activated with two accompanying persons. • 2. Please present your SCB Private Banking card before using the service and valid only in the period specified on the card. 24 Limousine Service Pick-up to and from Suvarnabhumi or Donmuang Airport Enjoy the ultimate comfort for your trip with pick-up to and from Suvarnabhumi or Donmuang Airport (with no more than 3 accompanying persons/time) in a luxurious limousine that will take you on a quick and smooth trip to the airport. This special offer can be redeemed 2 times/year only for the primary SCB Private Banking cardholder. Redeem this offer at SCB Private Banking Contact Center 02-777-7799 (5 days prior to your travel date).

Pick-up within Suvarnabhumi Airport Buggy Service For superior comfort in travel get a pick-up service from the Gate up to the Immigrations (with 2 accompanying persons/time) in Suvarnabhumi Airport. This special offer can be redeemed 2 times/year only for the primary SCB Private Banking cardholder. Redeem this offer at SCB Private Banking Contact Center 02-777-7799 (5 days prior to your travel date). Validity period: January 1 - December 31, 2020 Limousine Service Conditions: • 1. Exclusive privileges for SCB Private Banking cardholder (Primary Card) only. This offer is not transferable. • 2. This offer is reserved only for SCB Private Banking members who hold the primary SCB Private Banking credit card that has been activated only and/or maintain valid membership status with total deposits and/or insurance premiums paid for 6 months and/or investment amount with the bank worth 50 million baht or above as of the transaction date. • 3. The bank reserves the right to allow the redemption offer for 1 card/time/1 limousine.The next reservation for redemption can only be made after the previous offer has been used. • 4. In case of reserving the limousine for pick-up and return, it is counted as two trips. • 5. In case of cancellation please contact the SCB Private Banking Contact Center at 02-777-7799 (3 days before the date of travel). • 6. In case of cancellation later than the requirement or a no show, the bank considers it as the use of 1 redemption offer. • 7. SCB Private Banking primary cardholder must show the card every time before using the service. Buggy Service Conditions: • 1. Exclusive privileges for SCB Private Banking cardholder (Primary Card) only. This offer is not transferable. • 2. This offer is reserved only for SCB Private Banking members who hold the primary SCB Private Banking credit card that has been activated only and/or maintain valid membership status with total deposits and/or insurance premiums paid for 6 months and/or investment amount with the bank worth 50 million baht or above as of the transaction date. • 3. The bank reserves the right to allow the redemption offer for 1 card/time/1 buggy (Members can reserve more than one buggy at the cost of 1,070 baht each. The payment must be made in cash to the service provider.). The next reservation for redemption can only be made after the previous offer has been used. • 4. In case of cancellation, please contact the Private Banking Contact Center at 02-777-7799 (3 days before the date of travel). • 5. In case of cancellation later than the requirement or a no show, the bank considers it as the use of 1 redemption offer. The bank reserves the right for the service provider to collect fees for services that exceed the bank’s offer. • 6. Free only for 1 buggy (seating for 3 persons). • 7. The holder of the primary SCB Private Banking credit card must show the card every time before using the service. 25 Auto Europe: Receive up to 37% discount when renting a car at Auto Europe, a premium International car international car rental service with over 20,000 branches worldwide. (over 180 rental service countries) Simply enter the promotional code 99007578 at www.autoeurope.com/visa

Validity period: January 1 - December 31, 2020

Conditions: • 1. This privilege is exclusive for SCB Private Banking cardholder when paying with SCB Private Banking credit card only. • 2. Cancellation fee is waived with 48-hour prior notice. • 3. Discounts depending on rental period and vehicle pickup location or other conditions designated by the rental company. The discount condition exclude tax, custom fee, or other insurance fee related to this rental. • 4.This privilege cannot be redeemed in combined with other discounts or promotions. • 5. The discount is not eligible for container rental • 6. Rental conditions may be changed by rental company during holiday times, long holidays, or public • 7. Please make 1 week advance booking • 8. Privileges are offered when payment is made with SCB Private Banking credit card from January 1 - December 31, 2020 • 9. This privilege can be canceled when abided by any restrictions or law • 10. All taxes occurred are subject to purchaser/service user’s responsibility • 11. Auto Europe is entitled as the sole privilege provider • 12. This privilege can be changed and relied on each operator’s terms and conditions • 13. SCB is not involved in the service and will not take any responsibility for services rendered in any case. • 14. SCB reserves the right to amend conditions, requirements, validity periods, or benefits, or to terminate the privilege without prior notice. • 15. The judgment of SCB is final in case of any dispute or disagreement. 26 Travel Insurance: International Travel Insurance Protection coverage for your entire travel simply by paying for your ticket with SCB Private Banking Card. 1. Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability Common Carrier a. A commercial aircraft which has license for carrying passengers and operate as a commercial aircraft. b. Public Transport 35,000,000 baht Vehicles c. Public Transport Vessels 2. Medical Expense due to Injury and Sickness Incurred Overseas Benefit Maximum 800,000 baht/event 3. Flight Delay Benefit for the emergency and necessary expenses from the delayed. (5,000 THB/4 Hours) Maximum 30,000 baht/event 4. Baggage Delay Benefit for reimbursement of essential clothing and requisites expenses. (5,000 THB/4 Hours) Maximum 30,000 baht/event 5. Loss or Damage of Baggage and Personal Effects Benefits: Covers damage or loss of personal effects of the Insured by the personal effects is/are in the possession of hotel staff or a common carrier. The company will Maximum 80,000 baht reimburse for reasonable expenses occurred within 5 days after the loss date and not exceeding 5,000 Baht per pair/piece/set. 6. Purchase Protection Plan: Repair, replacement or compensation of property which has been purchase by SCB Private Banking’s Credit Card, the indemnification of the Insured for property which has been damaged within Maximum 200,000 baht/time 30 days of purchase caused by • Fire or accident (excluded fallen) • Aggravated theft, Robbery or gang-robbery (500,000 baht/year) Note : Please check the details of coverage THE DEVES INSURANCE PUBLIC COMPANY LIMITED Hotline: (Mon-Fri 08.30 am - 07.00 pm, Sat-Sun 10.00 am - 05.00 pm) Validity period: January 1 - December 31, 2020 Conditions: • 1. Benefits are applicable only after the payment for the ticket has been made in full using the SCB Private Banking credit card. • 2. Coverage for item 1. The protection covers the time during take off and landing or during the travel on an aircraft registered for commercial air travel, public land transport, or travel on public water travel. The status must be paying passenger on the public transport with a fixed schedule. The cardholder must not be the operator/staff on the commercial aircraft. The protection starts the moment the cardholder walks beyond the gate of the passenger terminal of the point of origin and ends when upon the entry to the passenger terminal of the destination. • 3. Coverage for item 2-6 the protection starts from departure from Thailand up to the arrival at the home of the cardholder in the case of a round trip purchase. In case of one-way ticket purchase the protection ends after exit of the aircraft. • 4. Protection and compensation would be made based on the terms and conditions of the insurance company. • 5. The cardholder is responsible to provide the necessary documents for the processing of the claim Remarks: • 1. Coverage provided by THE DEVES INSURANCE PUBLIC COMPANY LIMITED • 2. Coverage for no. 2-6 requires original receipts and relevant documents, such as a certificate from doctors or airlines when seeking compensation. • 3. Compensation for no. 3-4 will be eligible at a rate of 5,000 baht for a delay of 4 hours, and will be paid at 5,000 baht for every subsequent 4-hour delay up to 30,000 baht. 27 LIVING

28 Exclusive Shopping at King Power Enjoy the brand name shopping experience with exclusive privileges and unparalleled services

• Receive up to 20% discount when shopping at all King Power branches. • King Power Lounge access at the King Power Downtown Complex Rangnam Road and King Power Duty Free at Suvarnabhumi Airport with 2 accompanying persons. • Pre-Sale at King Power Downtown Complex. • Personal Shopping Consultant enjoy fabulous convenience in shopping for brand name goods at King Power Downtown Complex and King Power Duty Free at Suvarnabhumi Airport. • VIP Reserved Parking Area for holders of SCB Private Banking cards at King Power Downtown Complex Rangnam Road. • Birthday Celebration offer in the month of your birthday simply purchase any regular priced item valued more than 100 baht at King Power Down town Complex / King Power Srivaree Complex / King Power Pattaya Complex / King Power Phuket (except Airport branches) receive cash back voucher valued at 30% of the purchase (redemption must be made within 3 months from the cardholder’s birth month). • Upgrade Membership Card status from King Power at a faster rate*

Type of Card Accumulated Purchase at King Power VEGA 2,400,000 baht (normally 3,000,000 baht) CROWN 1,200,000 baht (normally 1,500,000 baht) For additional information call 1631

*Conditions for upgrading King Power membership card: Validity period: January 1 - December 31, 2020 • 1. Upgrade membership card status faster with SCB Private Banking credit card for purchases of duty free items at all King Power branches that meet the expenditure requirements set. This must be completed within 90 days of the bank’s approval of the SCB Private Banking card held by the member. • 2. The status of the VEGA card is 1 year and CROWN is 2 years based on the issuing date of the King Power member card (expiration date indicated on the card). • 3. King Power International Co., Ltd. will deliver the card to the SCB Private Banking card holder who have complied with the conditions within 30 days from the day the card holder has achieved the level of expenditure required. • 4. The offer can be used with other promotions that have been indicated at the point of purchase in all King Power Duty Free branches. • 5. King Power International Co., Ltd. reserves the right not to provide the upgrade should the company have reason to believe the purchases were made for commercial purposes. • 6. Benefits and renewal of the King Power member card is done in accordance to the company’s terms and conditions. • 7. In case of conflict or disagreement in the receipt or upgrade of the member card the decision of King Power International Co., Ltd is considered final. • 8. Offer only for the SCB Private Banking card. • 9. Please make a reservation 3 days prior to the visit in case the member would like to have the Personal Shopping Consultant provide shopping advice. • 10. The company reserves the right to make changes to the terms and conditions without prior notice. • 11. The terms and conditions are determined by the service provider. • 12. For additional information on the terms and conditions please contact the King Power Call Center at 1631 or visit www.kingpower.com or www.facebook.com/KingPowerofficial. 29 Wellness & Private Relaxation Privilege Relax and unwind from a hectic day with a therapeutic massage by well-trained experts in Thai massage in a private atmosphere with facilities for perfect body pampering and treatments.

Now available in 2 choices. 1. Health Land: Thai massage 2 hrs./session • Asoke Tel. 02-261-1110 • Sathorn Tel. 02-637-8883 • Ekkamai Tel. 02-392-2233 • Praditmanutham Tel. 02-148-1155 • Chaeng Wattana Tel. 02-573-3355 • Srinakarin Tel. 02-748-8135-9 • Pinklao Tel. 02-882-4888 • Rama 2 Tel. 02-451-1155 • Pattaya Nua Tel. 038-412-989 • Pattaya Sukhumvit Rd. Tel. 038-412-995 • Chiang Mai Tel. 053-278-855

30 2. Let’s Relax Thai massage 1.5 hrs/session Bangkok Other Provinces • Tel. 02-108-0555 • Pavillion, Chiang Mai Tel. 053-818-498 • Sukhumvit 39 (Phromphong) Tel. 02-662-6935-6 • Tha Pae, Chiang Mai Tel. 053-271-339 • Mandarin Hotel (Samyan) Tel. 02-633-3359 • Nimman, Chiang Mai Tel. 052-080-918-9 • SQ1 () Tel. 02-252-2228-29 • Patong second street, Phuket Tel. 076-346-080 • Suan Phlu Tel. 02-679-4454-5 • Patong third street, Phuket Tel. 076-366-800 • Ekkamai Tel. 02-382-1133 • Karon Beach, Phuket Tel. 076-396-158 • The Street Ratchada Tel. 02-121-1818-9 • The SIS Kata, Phuket Tel. 076-609-555 ext. 8111 • MBK Center Tel. 02-003-1653 • Boat Lagoon, Phuket Tel. 076-601-328 • Sukhumvit 31 Tel. 02-019-1181 • Millennium Resort, Phuket Tel. 076-603-817-8 • The Berkeley Pratunam Tel. 02-309-9999 ext. 3275 • Beyond Patong Hotel, Phuket Tel. 076-604-270 • Phayathai Tel. 02-126-6840-1 • North Pattaya Tel. 038-488-591 • Thong Lo Tel. 02-042-8045-6 • Beach Front, Pattaya Tel. 033-641-149 • Arnoma Hotel Bangkok Tel. 02-655-3052, • Terminal 21, Pattaya Tel. 033-641-149 02-655-5555 ext. 7519, • Samui Tel. 077-430-232 02-655-5555 ext. 7520 • Wake Up Ao Nang, Krabi Tel. 075-695-029-30 • The Allez Sukhumvit 13 Tel. 02-301-0179 • Tel. 032-526-364 • The Market Tel. 02-209-5199 • Hua Hin 100 Tel. 032-900-499 • Hotel Nikko Tel. 02-136-4226 • Cha-Am Ace Tel. 032-421-799

Validity period: January 1 - December 31, 2020

Health Land and Let’s Relax Conditions: • 1. The privilege is reserved for SCB Private Banking primary cardholders whose status remains valid at the transaction date, with total average balance of deposit accounts, annual insurance premiums, and/or investment with SCB in the past 6 months of no less than 10 million baht at the transaction date. The privilege is non-transferable. •2. The privilege is available for 1 session/card/member/calendar month and cannot be carried forward to the following months. • 3.The privilege is applicable for a 2-hour Thai massage session at Health Land or a 1.5 - hour Thai massage session at Let's Relax. • 4. Cardholders must pay for any other treatments or products. • 5. The privilege is subject to conditions specified by Health Land and Let's Relax. SCB is not involved in the service provided and not responsible in any case. • 6. In case of dispute, SCB’s judgment is final. 31 Golf Privilege Private Golf Course Access Complimentary green fee for the primary SCB Private Banking cardholder 1 person/card • Alpine Golf and Sports Club Bangkan-Sathaniwittayu Rd. Khlong 5,Khlong Luang District, Pathum Thani (Tuesday-Friday only) • Muang Kaew Golf Course Bangna-Trad Rd. Km 7.7 Bangkaew, Bang Phli District, Samut Prakan • Lakewood Country Club Bangna-Trad Highway (KM.18), , Bang Phli District, Samut Prakan • Summit Windmill Golf Club Bang Na-Trat Rd, Km.10.5, Bang Phli Yai, Bang Phli District, Samut Prakan • Panya Indra Golf Club Panyaramindra Rd. (Km 9), Khan Na Yao, Bangkok • Alpine Golf and Resort Chiangmai Sankamphaeng Banthi Road, Huaytrai, Sankamphaeng, Chiang Mai

32 • Chiang Mai Highlands Golf and Spa Resort Mae On District, Chiang Mai • Nikanti Golf Club Thammasala, Mueang Nakhon Pathom District, Nakhon Pathom • Siam Country Club Pattaya (Plantation Course / Watersides Course) Bang Lamung District, Chon Buri • Banyan Golf Club Hua Hin Hua Hin, Prachuap Khiri Khan Monday - Friday (Anytime) Saturday - Sunday (After 12.00 p.m.)

Please make reservations for tee off at least 4 days in advance. Call 02 919 8423 (Monday - Friday between 9.00-17.00 hrs.)

Validity period: January 1 - December 31, 2020

Conditions: • 1. The privilege is reserved 1 times/card/month (for all participating golf courses) • 2. The complimentary green fee for the primary SCB Private Banking cardholder 2 person/group only, during Mon-Fri (anytime) Sat-Sun (after 12.00 p.m.) except Alpine Golf and Sports Club which can be accessed Tue-Fri only. A group must comprise of a minimum of 3 golfers and 4 golfers maximum. • 3. In case there are SCB Private Banking Cardholders more than 2 persons in 1 group, the bank reserves the right to limit the complimentary green fee for 2 persons/group only. • 4. Privilege is limited to the first 30 persons per month, on a first come first served basis • 5. Other expenses are responsibility of SCB Private Banking Cardholders and other member in the same group are responsible for green fee, golf cart, and caddy fees according to each golf course’s conditions. • 6. Please make reservation at least 4 days in advance at 02 919 8423 (Mon-Fri 9.00-17.00 hrs.) Reservation is subject to availability. • 7. Right is reserved for those without any outstanding reservation (if any). The cardholder can make a reservation for the next round only when a privilege of the first round has been used. • 8. Reservation made by cardholder cannot be transferred to others. • 9. This privilege is for SCB Private Banking Cardholders who have made a reservation in advance through the specify channel only.• 10. The golf course reserve the right to decline service or answer any inquiry about this privilege, including any reservation made directly with the golf course. • 11. Approval, cancellation or change to tee off will be at the golf course’s direction. Any changes in tee off time or cancellation must be made at least 2 days in advance otherwise the cardholder has to pay for cancellation fee. • 12. In case rain makes tee off impossible, the golf course do not have policy of refunding green fee (except Alpine Golf and Sports Club will refund according to its terms and conditions) • 13. This privilege is not eligible for night time tee off. • 14. This privilege is determined by golf courses and cannot be used for exclusive group recreation or other activities. • 15. This privilege does not confer club membership and cannot be used with other promotions, exclusive recreational activities or competition. • 16. n case of any dispute, SCB’s decision is final. 33 Fitness Privilege Private Fitness Privileges Enjoy fitness services for your physical well-being everyday at leading hotels and fitness clubs in Bangkok and other provinces Bangkok BANYAN TREE BANGKOK Tel. 02-679-1200 CENTARA GRAND AT CENTRALWORLD Tel. 02-100-1234 ext. 6511 PHOTHALAI LEISURE PARK Tel. 02-508-5111 SHERATON GRANDE SUKHUMVIT Tel. 02-649-8121 SIAM KEMPINSKI HOTEL BANGKOK Tel. 02-162-9000 THE OKURA PRESTIGE BANGKOK Tel. 02-687-9000 WE FITNESS SOCIETY • Major Ratchayothin Tel. 02-515-3699 • Major Ekkamai Tel. 02-785-3939 • Major Pinklao Tel. 02-119-3399 • Esplanade Ratchada Tel. 02-640-3939 • J Avenue Thonglor Tel. 02-119-3309 • VIE Hotel Tel. 02-309-3939 • Esplanade Khae Rai Tel. 02-591-3939 ABSOLUTE YOU BANGKOK • Amarin Tower Tel. 02-252-4400 • Exchange Tower Tel. 02-258-4020 • The Circle Tel. 02-050-0214 • Liberty Square Tel. 02-631-1996 • The Crystal Park Tel. 02-515-0868 • La Villa (Phaholyothin) Tel. 064-182-2407 • Central Plaza Ladprao Tel. 02-937-0747 • Market Place (Nanglinchee) Tel. 02-287-2099 • The Century Studio (Onnuch) Tel. 02-042-5213

Validity period: January 1 - December 31, 2020

34 MAJOR PROVINCES ABSOLUTE YOU PHUKET Tel. 02-679-1200 ALPHA HEALTH CLUB PHUKET Tel. 076-612-655-6 ALEEZA FITNESS CLUB SURATTHANI Tel. 077-273-133, 077 273 533 CENTARA GRAND MIRAGE BEACH RESORT PATTAYA Tel. 038-301-234 CENTARA HOTEL HAT YAI Tel. 074-352-222 CENTARA HOTEL & CONVENTION CENTRE UDON THANI Tel. 042-343-555 FITNESS FIRST • CENTRAL KHON KAEN Tel. 043-288-433 • CENTRAL CHONBURI Tel. 033-002-999 • THE MALL KORAT Tel. 044-393-600 FIT&FIRM SPORT CLUB SRIRACHA Tel. 038-049-154 FORESTO FITNESS RAYONG Tel. 098-818-8801 RATI LANNA RIVERSIDE SPA RESORT CHIANG MAI Tel. 053-999-333 Validity period: January 1 - December 31, 2020

Conditions: • 1.The privilege is reserved only for SCB Private Banking primary cardholders who maintain valid membership status with total balance of deposit accounts, and/or annual life insurance premiums, and/or investment with SCB in the past 6 months and as of the transaction date, of no less than 10 million baht. • 2.This privilege is non-transferable in any case and the bank reserves the right to limit number of access/day/fitness club. • 3.Please present your SCB Private Banking credit card and ID card before using the service. • 4.Conditions and terms for fitness service are as specified by the hotels and fitness clubs. • 5.The privilege cannot be exchanged, transferred, or exchanged for cash. • 6.SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel the privilege without prior notice. • 7.In case of any dispute, SCB's judgment is final. • 8.SCB is not involved in the service provided and not responsible in any case. 35 Reserved Parking SCB Private Reserved Parking at SCB Branches and Department Stores • Maximum 2 hours on business days and hours at any SCB branch nationwide. • Between 9.00-18.00 hrs. on non-business days at 8 branches in Bangkok’s business areas, namely Bang Lampu Branch, Ekkamai Branch, Tri Petch Branch, Soi Thonglor Branch, Rachawongse Branch, Victory Monument Branch, and Nakhon Sawan, and 09.00 - 22.00 hrs. only at Tha Phae Branch (Chiang Mai).

• Reserved parking • Reserved parking at department at department stores in Bangkok stores in provincial areas • Siam Paragon • Centralfestival Chiang Mai • The EmQuartier • Centralfestival Hat Yai • CentralWorld • Central Plaza Khon Kaen • Central Plaza Grand Rama IX • Central Plaza Surat Thani • Central Plaza Westgate • Centralfestival Phuket • Central Plaza Ladprao • Central Phuket Floresta ใหม • Centralfestival East Ville (Available at 1 Mar 19) • Central Plaza Korat • Mega Bangna • Impact Muang Thong Thani ใหม • ICON SIAM (until 30 April 2020)

Conditions: Validity period: January 1 - December 31, 2020 • 1. This offer is reserved only for SCB Private Banking members who hold the primary SCB Private Banking credit card that has been activated only and/or maintain valid membership status with total deposits and/or insurance premiums paid for 6 months and/or investment amount with the bank worth 50 million baht or above as of the transaction date. • 2. Member must present the privilege parking badge in front of the car or present the SCB Private Banking Card before receiving the service • 3. SCB Private Banking parking badge is not allowed to be traded or exchanged for money. • 4. In case of any lost, the bank reserves the right to consider issuing the new sticker.• 5. The bank reserves the right of change or cancel this privilege without prior notice. • 6. In case of any dispute, SCB’s decision is final. 36 Samitivej First Experience the new exclusive service at The FIRST LOUNGEprovided with a completed well-being programs and unparalleled services available only for you. Receive the privilege to join Samitivej First member card when using service at Samitivej Sukhumvit or Sri Nakarin. Special Discount Quick and Easy Payment • Receive 30% discount for in-patient room Making a faster payment via 2 digital service with unlimited stay throughout platforms through Mobile App and QR code. membership validity. • Receive 5% discount for Special Computer Samitivej Plus Application X-ray including MRI and CT SCAN. • Fast Register Advanced online registration THE FIRST LOUNGE Access for patient who has never been to the The privilege space offering you with utmost hospital to get a faster services on arrival. comfort for the ultimate relaxation. Enjoy • Doctor Appointment Making an advanced selections of snacks and healthy drink while appointment for a doctor of your receiving the services. preference. • Samitivej Q Checking your queue Butler Service sequence on Real Time basis Warm welcome from butler staff who provides • Visit Summary Report Health checking you with ultimate convenience throughout report submitted directly to you via your visit at the hospital. the application. Treatment history is 24 Hours Nurse Consultation backup and available wherever you are Samitivej Plus App provides you with a 24-hour for your future reference and health consultancy service as if receiving advices continuous check-up. from the caring nurse. Pharmacist Consultation For more information: 02-022-2222#8 Receiving carefree medical advice provided (Mon-Sun at 08.00 am - 05.00 pm) by our pharmacist consultation service specialist. Ready to serve daily from 08.00-20.00 hours Validity period: via Samitivej Plus App. January 1 - December 31, 2020 37 Personal Assistant Desirable Moment By Quintessentially Luxury lifestyle management and concierge services by Quintessentially, a Service network covering 64 major cities worldwide, ready to provide advice on every aspect of your lifestyle. No wish will ever be impossible. Just call the SCB Private Banking Contact Center at 02-777-7799. Travel services: Trip planning and reservations for hotels, restaurants, and transportation for domestic and international travel, including arrangement of exclusive experiences that money alone cannot buy. Dining recommendations and top restaurant reservations worldwide: Ultimate dining experiences are brought to you by recommended restaurants with great menus or reserving seats at top restaurants, together with details on how to get there. Experience unique tastes from restaurants around the globe. Ticket reservations and purchase for world class concerts and events: Answer your quest for the most sought-after tickets for any kind of entertainment program beyond your imagination, selected according to your lifestyle, such as tickets for premier movies, concerts by renowned musicians, stage plays, operas, Academy Awards Ceremony, Golden Globe Ceremony, or world-class sporting event. Gifts and wish list: Find gifts and items on your wish list to fulfill your desires, no matter what they are nor how difficult to obtain. We are more than ready to provide happiness to special clients like you. Validity period: January 1 - December 31, 2020 Conditions: • 1. The privilege is for SCB Private Banking cardholders only. • 2. SCB reserves the right to procure items that exist and in compliance with laws, morality, traditions, and cultures. • 3. Conditions are set forth by service providers. • 4. This privilege cannot be exchanged, redeemed, transferred, changed into cash, or used in conjunction with other promotions. • 5. SCB reserves the right to amend conditions, requirements, validity periods, or benefits, or to terminate the privilege without prior notice. • 6. In case of any dispute, SCB’s decision is final. 38 SCB Private Banking 24 Hour Personal Concierge Service Exclusive privileges with a 24/7 personal concierge service to provide information Concierge Service and recommendations on hotels, tourist attractions, air tickets, car/limousine rental, restaurants, tickets to performances, concerts, or sport tournaments, and gift or flower delivery. Simply call 02-777-7799.

Remarks : • This is service coordination and arrangement; all expenses are the responsibility of the cardholder. • Services are subject to terms and conditions, exceptions, and requirements specified by the service providers.

SCB Private Banking 24 Hour Roadside Assistance In case of emergency, our roadside assistance is ready 24/7 nationwide for Roadside Assistance your convenience and peace of mind whenever you are at the wheel (free service under conditions). Simply call 02-777-7799

Emergency Assistance Services Limit Towing/extrication 2,000 baht/time (unlimited occasions/year) Emergency on-site repair if possible 2,000 baht/time (unlimited occasions/year) Lock-out assistance 2,000 baht/time (unlimited occasions/year) Battery charging 2,000 baht/time (unlimited occasions/year) Emergency gasoline delivery • Car cannot be drive due to out of 10 liters/time (unlimited occasions/year) gasoline • Car Still can be driven On-site gasoline service 10 liters/time (2 times/ year). Member has to pay for gasoline by cash with the service provider.

Remarks: • The available privilege amounts cover labor, on-site service, vehicle fees, and basic repair if possible. • Services are subject to terms and conditions, exceptions, and requirements specified by the service providers.

39 SCB Private Banking Travel Assistance Travel Assistance Simply call 02-777-7799 Emergency Travel Assistance Service Details Information service: visa application, vaccination requirements, weather forecast, currency exchange, etc. This is service coordination and Information on translation service providers arrangement; all expenses are the Information on embassies, consular offices responsibility of the cardholder. Advice in case of lost passport or luggage during a trip abroad Remarks : Coordination and procurement of services with service charges are the responsibility of the cardholder.

SCB Private Banking Medical Assistance Medical Assistance Simply call 02-777-7799 Emergency Medical Assistance Service Details Medical advice by phone Coordination and providing recommendations Directory of hospitals and clinics, and Coordination and service arrangement discounts from leading hospitals nationwide Sending patients for admission Coordination and service arrangement Delivery of necessary medicine Coordination and service arrangement with expenses being the responsibility of the cardholder Advance payment of medical fees while in Available upon request with hospital for observation of symptoms. expenses being the responsibility of the cardholder

Validity period: January 1 - December 31, 2020

40 Exclusive World Class Entertainment Thrill to a variety of exciting and spectacular world class entertainment Entertainment & programs, such as concerts, theatrical performances, movies, and special shows Private Trip from around the world selected exclusively for you.

Bespoke Private Trip Explore exotic places and enjoy activities that will provide enlightening cultural perspectives and lifestyle like nothing else. Indulge in memorable moments in culinary art, comfortable accommodations, thrilling tourist spots, and extravagant shopping offered in SCB Private Banking style.

41 DINING

42 Dining Privilege Starbucks, S&P or MK Restaurants Privileges Enjoy dining and get up to 300 baht cash back at Starbucks, S&P or MK Restaurants

Validity period: January 1 - December 31, 2020

Conditions: • 1. The bank reserves the right to allow only for SCB Private Banking cardholders who maintain valid membership status with total deposits and/or insurance premiums paid during the year and/or 6-month average investment amount with the bank worth 10 million baht or above as of the transaction date. • 2. This privilege is for the primary SCB Private Banking cardholder using an SCB Private Banking credit card for payment of food at participating restaurants during 1 January - 31 December 2020 only. • 3. Limit 1 restaurant/month/card.• 4. SCB reserves the right to provide cash credit only for Starbuck transactions with STC or Starbucks code on the SCB Private Banking statement. • 5. SCB reserves the right to credit cash back according to the actual payment and up to 300 baht/card/calendar month. The amount will be credited to credit card accounts within 60 days of the last day of each month. • 6. This privilege cannot be exchanged for cash, transferred to others or carried forward to the following month. • 7. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 8. In case of any dispute, SCB’s decision is final. 43 Lunch Buffet Privilege Privilege 1: Complimentary lunch buffet for two persons Privilege 2: Special price for lunch buffet for two persons at THB 1,500 Participating hotel’s restaurants • Renaissance/Flavor • InterContinental/Espresso • So Sofitel Bangkok/Red Oven • Shangri-La/Next 2 Cafe Lunch buffet + beverages • The Athenee/The Rain Tree Cafe (except alcohol drink) • Centara Grand @CentralWorld/Dynasty only on Monday - Friday • Marriott Marquis/Goji Kitchen and Bar Lunch buffet + beverages (except alcohol drink) only on Monday – Saturday For more information, please call 02-906-3026 Validity period: January 1 - December 31, 2020 Afternoon Tea set Privilege Privilege 1: Complimentary High Tea Set Privilege 2: Special price for special price for high tea set at THB 800 Participating merchants • Siam Kempinski/Hanuman Bar, Lobby • Renaissance/R Bar, 1st floor • Avani Riverside /Long Bar, 1st floor - High Tea during 15.00 – 17.00 p.m. • TWG Tea Salon & Boutique/Siam Paragon & • Harrods Tea Room/Siam Paragon & Central Embassy • Mandarin Oriental Shop/Siam Paragon • Laduree/Siam Paragon(*available for only complimentary tea set) - Afternoon Tea during 11.00 a.m. - 18.00 p.m. For more information, please call 02 906 3026 Validity period: January 1 - December 31, 2020 44 Terms & Conditions for Complimentary Lunch Buffet for two persons: • 1. Privilege is valid from 1 January to 31 December 2020 • 2.Privilege is reserved for SCB Private Banking primary cardholder • 3. Cardholders must meet requirements of minimum accumulated spending amount through SCB Private Banking from 300,000 baht (similar card numbers) on the day making a reservation. The total balance is calculated starting from 60 days prior to the day of reservation. • 4. Cardholders must reserve the privileges through website www.vthgservice.com only • 5. 7-day advance booking is required (not applied for public holidays) • 6. Privilege confirmation email will be submitted to the cardholder within 3 working days starting from the day of reservation. Validity depending on SCB conditions and seat availability • 7. In case additional documents are required for verifying, cardholder must submit the required documents within 3 days of notification otherwise the company reserves the rights to cancel the reservation and cardholder must make a new reservation in chronological orders. • 8. Privilege is reserved for 1 time per 1 card number throughout the promotional period (including privilege from all participating hotels/restaurants) •9. Limited privilege offer : 100 privileges will be offered per month on the first com first serve basis • 10. Cancellation or changes of reservation must be notified 1 day prior to receiving the service at 02 906 3026. In case of no show, one time redemption is applied. • 11 Please present your name along with SCB Private Banking card and ID card to the staff to receive the privilege as reserved • 12.Privilege is reserved for cardholder only and the specific location • 13. Cardholder can take accompanying guest to receive the service and must be responsible for normal payment rate of participating hotels or service providers as well as additional expense beyond the conditions • 14. Dress code is required, please do not wear vest, shots, sport outfits, indoor slippers, and slippers • 15. For more information or follow up reservation (in case no email received) please call 02 906 3026 Monday-Friday from 9.00-17.00 hours or email [email protected] • 16. Details specified in the PR media maybe changed, please check conditions prior to making a reservation or redeeming the privilege • 17. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice • 18. SCB is not related to or responsible for services offered by participating service providers, in case there is any question or complaint regarding to the services, Cardholder must contact directly to the service provider • 19. Reservation and redemption of privilege is taken as understand of terms and conditions by cardholder, SCB will not be responsible for any complaints made • 20. In case of any dispute, SCB’s decision is final. Terms & Conditions for Special Price for Lunch Buffet for two persons at THB 1,500: • 1. Privilege is valid from 1 January to 31 December 2020 • 2. Privilege is reserved for SCB Private Banking primary cardholder • 3. Cardholders must meet requirements of minimum accumulated spending amount through SCB Private Banking from 300,000 baht (similar card numbers) on the day making a reservation. The total balance is calculated starting from 60 days prior to the day of reservation. • 4. Cardholders must reserve the privileges through website www.vthgservice.com only • 5. 7-day advance booking is required (not applied for public holidays) • 6. Privilege confirmation email will be submitted to the cardholder within 3 working days starting from the day of reservation. Validity depending on SCB conditions and seat availability • 7. In case additional documents are required for verifying, cardholder must submit the required documents within 3 days of notification otherwise the company reserves the rights to cancel the reservation and cardholder must make a new reservation in chronological orders. • 8. Privilege is reserved for 1 time per 1 card number throughout the promotional period (including privilege from all participating hotels/restaurants) • 9. Limited privilege offer : 100 privileges will be offered per month on the first com first serve basis •10. Cancellation or changes of reservation must be notified 1 day prior to receiving the service at 02 906 3026. In case of no show, one time redemption is applied. • 11. Please present your name along with SCB Private Banking card and ID card to the staff to receive the privilege as reserved • 12.Privilege is reserved for cardholder only and the specific location • 13. Cardholder can take accompanying guest to receive the service and must be responsible for normal payment rate of participating hotels or service providers as well as additional expense beyond the conditions • 14. Dress code is required, please do not wear vest, shots, sport outfits, indoor slippers, and slippers • 15. For more information or follow up reservation (in case no email received) please call 02 906 3026 Monday-Friday from 9.00-17.00 hours or email [email protected] • 16.Details specified in the PR media maybe changed, please check conditions prior to making a reservation or redeeming the privilege • 17. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice • 18. SCB is not related to or responsible for services offered by participating service providers, in case there is any question or complaint regarding to the services, Cardholder must contact directly to the service provider • 19. Reservation and redemption of privilege is taken as understand of terms and conditions by cardholder, SCB will not be responsible for any complaints made • 20. In case of any dispute, SCB’s decision is final. Terms & Conditions for Complimentary High Tea Set: • 1. Privilege is valid from 1 January to 31 December 2020. • 2.Privileges are applicable to SCB Private Banking primary cardholder. • 3. Privileges are valid for the main cardholder only. • 4.A minimum of THB 80,000 accumulated spending by SCB Private Banking card is required (payment on the same card number) at the date of privilege booking. The eligible spending transactions can be combined 60 days prior to the date of booking. • 5. Privilege booking is applicable via www.vthgservice.com. • 6. Reservations are required at least 7 days in advance (except on Public Holidays). • 7.Cardholder will get an email confirmation for privilege booking within 3 working days after booking is made and subject to verification and available seating. • 8. In case of any supporting documents are requested from cardholder for the verification, the cardholder has to submit those documents within 3 days, otherwise SCB reserves the right to cancel the booking and cardholder will have to make a new booking on a first come first served basis. • 9.Privileges can be utilized only once a year per card number from all participating merchants under the High Tea Privilege category. • 10. Complimentary Privilege is limited to the first 250 persons per month, on a first come first served basis. • 11. The cancellation or booking changes must be done at least 1 day before the intended day at Tel 02 906 3026. In case of no show, one time redemption is applied. • 12. Please present your SCB Private Banking card on arrival to get the privileges at the merchant outlet.• 13. The privileges will be available for the cardholder at the designated location only. • 14 Cardholder may bring along their guests for each visit. Any consumption of food or beverages beyond the complimentary set as well as the use of facilities and services are chargeable at published rates. • 15. A smart casual dress code is required. No singlet, shorts, fitness attire, room slippers, sandals or flip-flops • 16.For more information, please contact to Tel. 02 906 3026 on Monday – Friday from 9.00 a.m. to 17.00 p.m. or Email to [email protected]. • 17. Information contained in this guide is subject to changes, please carefully check before use. • 18. SCB reserves the right to amend, delete or add to any terms and conditions, and/or to cancel, terminate the privileges without prior notice. • 19. SCB shall not be responsible or liable in any manner whatsoever for any deficiency or inadequacy of services under the Visa Premium Card Privileges Program, and eligible cardholders shall look solely to the relevant participating merchants in the case of any queries or complaints for any services. No representation or warranty of any nature is made by Visa as to the quality of any services provided by any merchant • 20. By utilizing or attempting to utilize the Visa Premium Card Privileges Program, all eligible cardholders are deemed to have read, understood and irrevocably accepted and agreed to the terms and conditions set out herein. • 21. In case of any dispute, SCB’s decision is final. Terms & Conditions for Special Price for High Tea set at THB 800: • 1. Privilege is valid from 1 January to 31 December 2020. • 2. Privileges are applicable to SCB Private Banking primary cardholder.• 3. Privileges are valid for the main cardholder only. • 4. A minimum of THB 80,000 accumulated spending by SCB Private Banking card is required (payment on the same card number) at the date of privilege booking. The eligible spending transactions can be combined 60 days prior to the date of booking. • 5. Privilege booking is applicable via www.vthgservice.com. • 6. Reservations are required at least 7 days in advance (except on Public Holidays). • 7. Cardholder will get an email confirmation for privilege booking within 3 working days after booking is made and subject to verification and available seating. • 8. In case of any supporting documents are requested from cardholder for the verification, the cardholder has to submit those documents within 3 days, otherwise SCB reserves the right to cancel the booking and cardholder will have to make a new booking on a first come first served basis.• 9. Privileges can be utilized only once a year per card number from all participating merchants under the High Tea Privilege category. • 10. Privileges can be utilized only once a year per card number from all participating merchants in the Lunch Buffet Privilege category. • 11.The cancellation or booking changes must be done at least 1 day before the intended day at Tel 02 906 3026. In case of no show, one time redemption is applied. • 12.Please present your SCB Private Banking card on arrival to get the privileges at the merchant outlet. • 13. The privileges will be available for the cardholder at the designated location only. • 14. Cardholder may bring along their guests for each visit. Any consumption of food or beverages beyond the complimentary set as well as the use of facilities and services are chargeable at published rates. • 15. A smart casual dress code is required. No singlet, shorts, fitness attire, room slippers, sandals or flip-flops • 16. For more information, please contact to Tel. 02 906 3026 on Monday – Friday from 9.00 a.m. to 17.00 p.m. or Email to [email protected]. • 17.Information contained in this guide is subject to changes, please carefully check before use. • 18. SCB reserves the right to amend, delete or add to any terms and conditions, and/or to cancel, terminate the privileges without prior notice. • 19. SCB shall not be responsible or liable in any manner whatsoever for any deficiency or inadequacy of services under the Visa Premium Card Privileges Program, and eligible cardholders shall look solely to the relevant participating merchants in the case of any queries or complaints for any services. No representation or warranty of any nature is made by Visa as to the quality of any services provided by any merchant • 20. By utilizing or attempting to utilize the Visa Premium Card Privileges Program, all eligible cardholders are deemed to have read, understood and irrevocably accepted and agreed to the terms and conditions set out herein. • 21. In case of any dispute, SCB’s decision is final. 45 Banyan Tree Bangkok

Vertigo TOO • Receive 30% discount on food only for dinner (maximum 10 persons) Bai Yun • Receive 30% discount on food for lunch and/or dinner Taihei • Receive 30% discount on food only for lunch and/or dinner (not applied for lunch set menu and special set menu and maximum 10 persons) Saffron • Receive 30% discount on food only for lunch and/or dinner (not applied for lunch set menu and special set menu and maximum 10 persons) Romsai • Receive 30% discount on food only for lunch and/or dinner (maximum 10 persons) Validity period: January 1 - December 31, 2020 Tel. 02-679-1200

Remarks: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4.Children under 11 years old are not eligible for this privilege. • 5. Privileges cannot be redeemed in conjunction with other sales promotions unless specified by the hotel/restaurants.• 6. Privileges are offered for maximum 10 or 12 persons per reservation, depending on promotion. Room reservation, Functions, banquets, and catering are not included. • 7. Hotel reserves the right not to participate in the promotion during restaurant’s special events and holidays period (ex. Valentine’s day, Chinese New Year, Christmas Eve, New Year Eve) unless specified by the hotel/restaurants. • 8. Hotel/restaurants reserve to exchange similar product or service in the same value in case the offer is invalid. • 9. Conditions of the promotion can be changed without prior notice. • 10. Additional conditions from hotel/restaurant may be applied. • 11. Conditions and services are specified by the hotel. • 12. Privileges cannot be exchanged, transferred, exchanged for cash. • 13. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 14. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 15. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 16. In case of any dispute, SCB’s decision is final. 46 Grand Hyatt Erawan Bangkok The Dining Room, The Breezeway, The Garden Lounge and Salvia • 50% discount for food for 2 persons • 30% discount for food for 3 persons • 25% discount for food for 4 persons • 20% discount for food for 5 persons • 15% discount for food for 6 persons or more • 10% discount for beverages (ordered during the meal) *Salvia Italian Restaurant available in March 2020 Erawan Tea Room and You & Mee • 15% discount for food (discount is not applicable on afternoon tea set and retail items) • 10% discount for beverages (ordered during the meal) Bar@494 • 10% discount for beverages Spasso Restaurant and Bar • 10% discount for beverages (after 22.00 hrs.) Spa Privileges • I.sawan Residential Spa & Club 20% discount for spa treatments (excluding spa packages) Erawan Dry Cleaning and Laundry Services • 20% discount (only at the shop located in the hotel) Erawan Bakery Conditions: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. • 15% discount for beverages For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. Please present your SCB Private Banking credit card before using the service.• 5. Hotel reserves the right not to For more information, please call 02-254-6250 participate in the promotion on 1 January, 24-25 December and 31 December 2020.• 6. Hotel reserves Validity period: January 1 - December 31, 2020 the right to offer maximum 15% Discount on 14 February, 12 August and 5 December 2020.• 7. This price excludes service charge fee and VAT.• 8. Conditions of the promotion can be changed without prior notice• 9. Additional conditions from hotel/restaurant may be applied.• 10. Conditions and services are specified by the hotel• 11. Privileges cannot be exchanged, transferred, exchanged for cash. • 12. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 13. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 14. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 15. In case of any dispute, SCB’s decision is final. 47 JW Marriott Hotel Bangkok JW Café, Tsu, Nami Teppanyaki Steakhouse, Man Ho, BBCO, Lobby Lounge, Manhattan Bar and Juice Bar (Exclude mini bar and room service) • 20% discount for food, beverages, spa and fitness New York Steakhouse

New York Steakhouse • 20% discount for food

For more information: 02-656-7700 Validation Period: January 1 - December 31, 2020

Remarksุ: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. 20% discount is for SCB Private Banking card when paying the difference after using the SCB Private Banking Voucher or the next payment that made by the SCB Private Banking credit card only. • 5. Reservations are subject to the vacancy of restaurants/spas/fitness • 6. This offer is not applied for personal trainers. • 7. Conditions of the promotion can be changed without prior notice• 8. Additional conditions from hotel/restaurant may be applied. • 9. Conditions and services are specified by the hotel • 10. Privileges cannot be exchanged, transferred, exchanged for cash. • 11. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 12. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 13. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 14. In case of any dispute, SCB’s decision is final. 48 Mandarin Oriental Bangkok

Lord Jims • Lunch buffet (Tuesday - Friday) Adult: 1,850 baht/Children: 1,250 baht *Privilege eligible for SCB Prime cardholders pay 3 for 4, maximum 12 persons/table Terrace Rim Naam During October – November 2020 • Dinner buffet (Monday and Sunday) Adults: 2,350 baht/Children: 1,650 baht Mandarin Oriental Shop (The Emporium, Siam Paragon, Kasorn Village, Central Chidlom) • For every 800 baht spending, get a 6-piece box of macaroons. The China House • Dim sum lunch buffet value at 888 baht (Monday - Friday) • Receive 10% discount for dinner and beverages (Monday - Sunday) Sala Rim Naam • Thai food lunch buffet (Monday - Friday) Adult: 950 baht/Children: 650 baht • Thai food lunch buffet (Saturday and Sunday) Adults: 1,150 baht/Children: 800 baht *Privilege eligible for SCB Prime cardholders pay 3 for 4, maximum 12 persons/table

Conditions: Remark: Hotel reserves the right not to participate in the promotion • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are during 28 July, 12 August and 31 October 2020 and restaurant’s determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. This price is net with special events and holidays period. service fee and VAT already included. • 5. The pay 3 for 4 promotion is limited to a maximum of 12 persons (4 pay 3, 8 pay 6, and 12 pay 9). • 6. To get the privilege, customers must inform the staff of the “credit card promotion” before using the service. • 7. Conditions of the promotion can be changed without prior notice • 8. Additional conditions from hotel/restaurant may be applied. • 9. Conditions and For more information: 02-659-9000 services are specified by the hotel • 10. Privileges cannot be exchanged, transferred, exchanged for cash. • 11. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 12. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 13. SCB reserves the Validation Period: March 1 - November 30, 2020 right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 14. In case of any dispute, SCB’s decision is final. 49 Renaissance Bangkok Ratchaprasong Hotel

Flavors • 20 % for international lunch and dinner buffet • Special discount 50% for birth month (1 time/year only and maximum 6 persons/card/table/bill) • 15% discount for Sunday brunch buffet (Limit 4 booking/day and limit 4 person/card/table/bill) La Tavola • 20% discount on food only for A la carte menu (except steak & grill, lunch set menu, dinner and promotion menu) • 15% discount for Michelin star set (Limit 10 booking/day and limit 4 person/card/table/bill) R Bar • 15% discount for food and beverages (Include alcohol and limit 6 person/card/table/bill) หองอาหารจีน Fei Ya • 15% discount on food only for A la carte menu (Exclude dim sum buffet, lunch set menu and dinner) For more information: 02-125-5000 Validation period: January 1 - December 31, 2020

Conditions: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4.This price is net with service fee and VAT already included. • 5. Additional conditions from hotel/restaurant may be applied. • 6. Conditions and services are specified by the hotel • 7. Privileges cannot be exchanged, transferred, exchanged for cash. • 8. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 9. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 10. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 11. In case of any dispute, SCB’s decision is final. 50 Siam Kempinski Hotel Bangkok

Sra Bua by Kiin Kiin • 10% discount on food only for A la carte menu for lunch Alati From April 2020 onward • 15% discount on food only for semi lunch buffet and A la carte menu for dinner (alcohol is not included) Niche • 35% discount for A la carte menu at lunch and dinner (food only) • 15% discount for beverages Kempinski The Spa • Receive 20% discount when purchasing Treatment Spa from A La Carte Menu Special for birth month • When buy spa treatments from A la carte menu get buy 2 get 1 free for spa treatments (same price)

For more information: 02-162-9000 Validation period: January 1 - December 31, 2020

Conditions: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. Limit 6 persons/bill/table/card. • 5. Conditions of the promotion can be changed without prior notice • 6. Additional conditions from hotel/restaurant may be applied. • 7. Conditions and services are specified by the hotel • 8. Privileges cannot be exchanged, transferred, exchanged for cash. • 9. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 10. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 11. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 12. In case of any dispute, SCB’s decision is final. 51 The Okura Prestige Bangkok

Up & Above • 20% discount for food only Up & Above Bar • 25% discount for food only (except for afternoon tea set) Yamazato • 15% discount for food only La Patisserie • 10% discount for food only Other Privileges • The Okura Spa • 15% discount for the Treatment menu • 10% discount for the spa products • Atelier • 10% discount for floral arrangement order

For more information: 02-687-9000 Validation period: 6 January 2020 - 20 December 2020

Conditions: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. Hotel reserves the right not to participate in the promotion at the restaurants on 25 January, 14 February, 3 June, 28 June, 12 August and 5 December 2020. • 5.Limit up to 8 persons/bill/table/- card. • 6. Conditions of the promotion can be changed without prior notice • 7. Additional conditions from hotel/restaurant may be applied. • 8. Conditions and services are specified by the hotel • 9. Privileges cannot be exchanged, transferred, exchanged for cash. • 10. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 11. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 12. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 13. In case of any dispute, SCB’s decision is final. 52 The Sukhothai Bangkok

Colonnade, La Scala, Celadon, Lobby Salon, Pool Terrace Cafe’ and Bar

• 50% discount for food for 2 persons • 33% discount for food for 3 persons • 25% discount for food for 4 persons • 20% discount for food for 5 persons • 10% discount for food for 1 persons and/or take away • 20% discount for Sunday Brunch at Colonnade

For more information:02-344-8888

Validation period: January 1 - December 31, 2020

Conditions: • 1. This privilege is reserved for SCB Private Banking card payments only. Limit 1 card./bill/table/ • 2. For dining at hotel restaurants only, and not including meetings, seminars, or banquets. Conditions are determined by the hotel. • 3. Due to limited seating, please book in advance. • 4. Conditions of the promotion can be changed without prior notice • 5. Additional conditions from hotel/restaurant may be applied. • 6. Conditions and services are specified by the hotel • 7. Privileges cannot be exchanged, transferred, exchanged for cash. • 8. This privilege cannot be combined with other promotions, and is not available on public holidays, major holidays, and long weekends. • 9. SCB is not related to or responsible for services offering, and reserves the right not to be responsibility for any damage arising from the service. • 10. SCB reserves the right to amend privilege terms and conditions, validity periods, or cancel privileges without prior notice. • 11. In case of any dispute, SCB’s decision is final. 53 SPECIAL REWARD POINTS

54 Special Reward Points Extra rewards and more value with every spending. Get double points (2 points) with every expenditure of 25 baht made with the SCB Private Banking credit card for the redemption of more exclusive rewards that have been selected for your pleasure. 1. Lowest Point Redemption Rewards Required for SCB Rewards* Every point is collected towards the redemption of the fabulous Private Exclusive Rewards. Receive an exclusive offer compared to other cards issued by the bank for the lowest point redemption of exclusive rewards. Enjoy point collection and redemption of many more rewards in the SCB Rewards Catalog. 2. 1-Point Redemption Program for Monthly Exclusive Offers For expenditure exceeding 50,000 baht/billing cycle receive the special offer for using only 1 reward point for gift vouchers or cash back rewards maximum value of 24,000 baht/year. Simply apply through the SCB Private Banking Service Center 02-777-7799 by using 60,000 reward points or 1 point + 4,999 baht. 3. Faster Accumulation of Royal Orchid Plus miles on Thai Airways Type of Mileage Rate of Mileage Accumulation Normal Rate 2.5 points = 1 mile (31.25 baht = 1 mile) Special Rate 2 points = 1 mile (25 baht = 1 mile) (When expenditure exceeds 100,000 baht per month from 1 January - 31 December 2020) 4. King Power Gift Voucher Rate for Gift Voucher Redemption 8,000 SCB Rewards Point = 1,000 baht King Power Gift Voucher

Note: For more information or redemption of Royal Orchid Plus miles/King Power gift voucher/and other rewards please contact the SCB Private Banking Contact Center 02-777-7799 or www.scbeasy.com Conditions for SCB Rewards point collection : • 1. Receive 2 reward points (normal rate 1 point) for every 25 baht expense made with the SCB Private Banking card. (The new reward point condition will be effective on 1 February 2020, from 1-31 January 2020 the reward points will be unchanged). The reward points collected will be shown in the statement of each billing cycle. • 2. The points counted towards the reward collection will be recorded on the postdate indicated in the statement. Expenditures not counted towards the reward point collection include reversed payments, interest, fines, fees, cash advances (including Dee Jung Transfer), utility payments, payment for car license auctions, SCB Dee Jung monthly installments on sum still owed to the bank, purchase of mutual funds, foreign exchange, and tax payments. • 3. Offer for special mile accumulation reward is eligible for SCB Private Banking credit card holders who spend in excess of 100,000 baht from January 1 December 31, 2020. The mileage redemption must be made in increments of 1,000 miles. • 4. Members who are eligible for SCB Rewards must have a normal status and good payment standing and has no violation of the bank’s terms and conditions up to the date of receiving the SCB Rewards. The bank reserves the right to revoke the SCB Rewards point collection should it find that the member does not have the necessary qualifications. • 5. The receipt and transfer of points can only be made between the main and supplementary SCB Private Banking credit card that is under the same credit limit. The transfer of points to other cards cannot be made. • 6. Limit the calculation of SCB Rewards points from the maximum spending via the card at Supermarket/Hypermarket (MCC: 5300, 5310, 5331, 5411, 5422, 5451, 5499, 9751) and gas station (MCC: 5541, 5542, 9752) of not more than 100,000 baht/card/month • 7. The Supermarket of including of Gourmet Market and Home Fresh Mart. • 8. The bank reserves the right not to give reward points if there is reason to believe the purchase are made for commercial or business reasons or for expenditures that are made in excess of the card’s credit limit determined by the bank. • 9. The bank reserves the right to change or cancel any terms and conditions regarding the duration and any benefits without prior notice. • 10. In case of any dispute, SCB’s decision is final. 55 5. SCB Private Banking Extra Rewards Receive a maximum of additional 30,000 reward points when domestic spending reaches the criteria (for purchases made in the baht currency on the day of the purchase)

Domestic spending/card/billing cycle Received Extra Reward Points 300,000 - 499,999 baht 4,000 500,000 - 999,999 baht 10,000 More than 1,000,000 baht 30,000

Sample calculation for point redemption for expenses made on the card Points received Domestic Regular points Extra points Points received spending/card/ billing cycle ROP Miles

300,000 baht 24,000 4,000 28,000 28,000 Miles (rate of 21.4 baht/mile)

500,000 baht 24,000 10,000 50,000 25,000 Miles (rate of 20 baht/mile)

1,000,000 baht 80,000 30,000 110,000 55,000 Miles (rate of 18.1 baht/mile)

Conditions : • 1. The bank will include domestic expenditure (collected in baht currency on the day of the purchase) based on the post date for calculation of towards rewards point collection in that billing cycle when the value reaches the criteria determined by the bank. • 2. The point collection is calculated individually for the main and supplementary cards. The purchases of the cards are not combined towards point collection. • 3. Expenditures not counted towards the reward point collection include reversed payments, interest, fines, fees, cash advances (including Dee Jung Transfer), utility payments, payment for car license auctions, SCB Dee Jung monthly installments on sum still owed to the bank, purchase of mutual funds, foreign exchange, tax payments, payment made at all branches of King Power, and payment made at the ticket counter of Thai and its website. • 4. Normal rewards point collection will appear in the statement for each billing cycle. The extra rewards point will appear within 60 days of the record in the statement of that particular billing cycle. These benefits cannot be redeemed or transferred for cash. • 5. The bank reserves the right to make changes to the terms and conditions and duration of the program with no prior notice. • 6. The bank reserves the right to make changes to the benefits or cancel the program with no prior notice. • 7. In case of any dispute, SCB’s decision is final. 56 6. Receive additional 25% for expenses made abroad (Only for expenditure made in a foreign currency at the time of the purchase of product/service) Sample calculation for point redemption for expenses made on the card

International Regular points Extra points Total points received spending/card/ billing cycle 300,000 baht 24,000 7,500 31,500

Note: The extra reward calculation is converted for every 10,000 baht expenditure. The maximum reward points collected is 7,500 points/card/billing cycle.

1 January - 31 December 2020

Conditions : • 1. The bank will include international expenditure (collected in baht currency on the day of the purchase) based on the post date for calculation of towards rewards point collection in that billing cycle when the value reaches the criteria determined by the bank. • 2. The point collection is calculated individually for the main and supplementary cards. The purchases of the cards are not combined towards point collection. • 3. Expenditures not counted towards the reward point collection include reversed payments, interest, fines, fees, cash advances (including Dee Jung Transfer), utility payments, payment for car license auctions, SCB Dee Jung monthly installments on sum still owed to the bank, purchase of mutual funds, foreign exchange, tax payments, payment made at all branches of King Power, and payment made at the ticket counter of Thai and its website. • 4. Normal rewards point collection will appear in the statement for each billing cycle. The extra rewards point will appear within 60 days of the record in the statement of that particular billing cycle. • 5. These benefits cannot be redeemed or transferred for cash. • 6. The bank reserves the right to make changes to the terms and conditions and duration of the program with no prior notice. • 7. The bank reserves the right to make changes to the benefits or cancel the program with no prior notice. • 8. In case of any dispute, SCB’s decision is final. 57 Common terms and conditions for SCB Private Banking benefits and privileges

• Benefits, privileges, and reward points (the benefits) are for active SCB Private Banking credit cardholders who still maintain the qualifications of SCB Private Banking credit card membership as specified by SCB on the benefit redemption date. The benefits cannot be transferred to others. • Qualified SCB Private Banking credit cardholders are those with combined average balance of deposit accounts, insurance premiums paid during the year, and investment over the past 6 months and account balance at SCB of at least 50 million baht at the privilege redemption date. • Valid assets at SCB include balances of deposit accounts, insurance premiums paid during the year, investment in such mutual funds as LTF/RMF, term funds, open architecture funds under the management of SCB Asset Management (SCBAM), SCB bills of exchange (B/E) or subordinated bonds with a minimum maturity period of 6 months (excluding other types of subordinated bonds). • SCB reserves the right to amend the conditions, terms, requirements, periods, and benefits, and may cancel this privilege with notification at least 7 days in advance of taking action, except for a need whereby advance notice is not possible. • SCB reserves the right not to renew or to cancel the SCB Private Banking credit card and benefits for customers not meeting the qualifications specified by SCB, with notification at least 30 days in advance of taking action. • In the event that a customer is an SCB Private Banking, SCB First, or SCB Prime cardholder, SCB reserves the right to offer benefits from the card offering the highest level of benefits. • In case of dispute, SCB's judgment is deemed final.

58 Contact Center 02 777 7799 www.scb.co.th/th/privatebanking.html

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