PRIVILEGE BOOK 2021 the WISDOM Onward E-Newsletter (Monthly)

PRIVILEGE B O OK 2021

Welcome to the superior privileges enjoyed by THE WISDOM customers of KBank. This full array of privileges and services has been meticulously designed to meet the unique ﬁnancial needs of our valued customers, so that you can enjoy the superb experience of THE WISDOM anytime. All of these elements are associated with The Symbol of Smart Success – successful people continually enhancing their lives.

THE WISDOM

For more information, call THE WISDOM Contact Center, 02-8888899, 24 hours a day.

3 THE SYMBOL OF YOUR WELLNESS

17 • Annual health checkup or specialized checkup at leading hospitals 19 • Annual oral checkup at BDMS Wellness Clinic 19 • Online consultation with physician 24 hours from Samitivej Virtual Hospital 20 • Special offers from leading hospital groups 24 • Chiva-Som Online Wellness Services 24 • Wellness at home from Divana Urban Wellness THE WISDOM 24 • Mattress cleaning and sanitizing services from De Hygienique THE SYMBOL OF SMART SUCCESS 25 • Fitness service at hotels and leading ﬁtness centers in Bangkok and other provinces

07 THE SYMBOL OF YOUR VISION THE SYMBOL OF YOUR JOURNEY 07 • THE WISDOM Wealth Management Advisory 29 • Global Airport Lounge Access (Priority Pass) 08 • Investment Recommendation & Update SMS Alert 30 • Miracle Lounge @ Suvarnabhumi Airport 08 • K-Econ & K-Business Analysis Membership 31 • Miracle Lounge @ Don Mueang International Airport 08 • K-Consolidated Statement 31 • Domestic Coral Lounge 09 • THE WISDOM Onward e-Newsletter (monthly) 32 • Upgrade Domestic Premium Seat 32 • THE WISDOM Travel Assistant Service SUPERIOR FINANCIAL PRIVILEGE 33 • Global Customer Assistance Services 09 • THE WISDOM Priority Service 33 • THE WISDOM Global Travel Accident Insurance Plan 09 • THE WISDOM Lounge 13 • Financial Privileges: Fee exemptions and preferential rates for ﬁnancial services THE SYMBOL OF YOUR PLEASURE 13 • Special Credit Line for Securities Trading 13 • THE WISDOM Contact Center 02-8888899 35 • THE WISDOM Exclusive Experience 36 • Hotel and Spa Privileges BUSINESS EMPOWERMENT 37 • Park and Wash Service at Department Stores 14 • THE WISDOM Business Assistant Service 39 • THE WISDOM Personal Assistant Service 24 hours 14 • THE WISDOM Digital Business Support 16 THE SYMBOL OF YOUR WELLNESS 17 • Annual health checkup or specialized checkup at leading hospitals 19 • Annual oral checkup at BDMS Wellness Clinic 19 • Online consultation with physician 24 hours from Samitivej Virtual Hospital 20 • Special offers from leading hospital groups 24 • Chiva-Som Online Wellness Services 24 • Wellness at home from Divana Urban Wellness 24 • Mattress cleaning and sanitizing services from De Hygienique 25 • Fitness service at hotels and leading ﬁtness centers in Bangkok and other provinces

THE SYMBOL OF YOUR VISION 28 THE SYMBOL OF YOUR JOURNEY 07 • THE WISDOM Wealth Management Advisory 29 • Global Airport Lounge Access (Priority Pass) 08 • Investment Recommendation & Update SMS Alert 30 • Miracle Lounge @ Suvarnabhumi Airport 08 • K-Econ & K-Business Analysis Membership 31 • Miracle Lounge @ Don Mueang International Airport 08 • K-Consolidated Statement 31 • Domestic Coral Lounge 09 • THE WISDOM Onward e-Newsletter (monthly) 32 • Upgrade Domestic Premium Seat 32 • THE WISDOM Travel Assistant Service SUPERIOR FINANCIAL PRIVILEGE 33 • Global Customer Assistance Services 09 • THE WISDOM Priority Service 33 • THE WISDOM Global Travel Accident Insurance Plan 09 • THE WISDOM Lounge 13 • Financial Privileges: Fee exemptions and preferential rates for ﬁnancial services THE SYMBOL OF YOUR PLEASURE 13 • Special Credit Line for Securities Trading 34 13 • THE WISDOM Contact Center 02-8888899 35 • THE WISDOM Exclusive Experience 36 • Hotel and Spa Privileges BUSINESS EMPOWERMENT 37 • Park and Wash Service at Department Stores 14 • THE WISDOM Business Assistant Service 39 • THE WISDOM Personal Assistant Service 24 hours 14 • THE WISDOM Digital Business Support THE IDENTITY OF SMART SUCCESS

KBa nk THE WISDOM Card

Welcome to Superior Privilege

KBank THE WISDOM Card – a credit card that comes with a full array of exclusive privileges offered by KBank and participating merchants THE SYMBOL OF YOUR VIS I O N

THE WISDOM Wealth Management Advisory

Our team of wealth management consultants includes experienced relationship managers and personal financial advisors certified by the Office of the Securities and Exchange Commission (SEC Office). To ensure that your financial affairs are managed smoothly, our personal financial advisors work with you in a number of areas: 1. Wealth Management Planning 2. Funding & Borrowing Planning 3. Protection Planning Investment Recommendation & Update SMS Alert

This special service helps you to monitor investment news and movements in the securities arena, keeping you abreast everywhere and at all times via SMS alerts and enhancing your decision-making edge. Learn more from the KS Call Center, KASIKORN SECURITIES PCL, tel. 02-6960011. Terms and conditions for use of privileges: - Only available to KBank THE WISDOM cardholders holding trading accounts with KASIKORN SECURITIES PCL and subscribing to the service. K-Econ & K-Business Analysis Membership

K-Econ Analysis, available to THE WISDOM customers on the KResearch website, is a collection of reports on various aspects of the Thai economy, including macroeconomic and microeconomic analysis, ﬁnancial market analysis, and analysis of the international economy focusing on important current issues, economic indicators, ﬁnancial market reports and FOREX reviews as well as business trend analyses and K SME Analysis to broaden your vision in planning and running your business. K-Consolidated Statement

K-Consolidated Statements are designed to make it easier for you to track your ﬁnancial status, with reports on assets held with us consolidated in a single statement. K-Consolidated Statements include: - The balance of every deposit and joint account for which the cardholder is the ﬁrst signatory - Investment values in all fund accounts held with KASIKORN ASSET MANAGEMENT* - Asset values of securities trading accounts held with KASIKORN SECURITIES PCL - Outstanding balance on K-Credit Card, K-Home Loan, personal loan and KLeasing car loans To apply for K-Consolidated Statement, call THE WISDOM Contact Center, tel. 02-8888899. Notes: - Consolidated statements will begin within two months of application. - Investment value reported for fund accounts and securities trading accounts may vary from actual value if funds and/or securities were bought/sold, or at the end of the accounting period. * Investments through KBank only

08 THE WISDOM PRIVILEGE BOOK 2021 THE WISDOM Onward e-Newsletter (monthly)

A monthly investment news and advisory service, together with THE WISDOM privilege and service alerts via SMS and/or EDM SUPERIOR FINANCIAL PRIVILEGE THE WISDOM Priority Service

Preferred banking service is offered to THE WISDOM Cardholders. To enjoy easy, convenient and rapid service, simply show your KBank THE WISDOM Card to a staff member, or use THE WISDOM Smart Queue. Exclusively for KBank THE WISDOM Cardholders.

THE WISDOM Lounge@

Located in central Bangkok for the convenience of THE WISDOM customers, the elegantly designed THE WISDOM Lounge provides a complete ﬁnancial and lifestyle experience.

THE WISDOM LOUNGE @ SO/ BANGKOK Open daily including public holidays from 9:00 a.m. to 8:00 p.m. Tel. 02-5627787-8

THE WISDOM LOUNGE @ CENTRAL EMBASSY Open daily including public holidays from 11:00 a.m. to 7:30 p.m. Tel. 02-1605600-4

THE WISDOM LOUNGE @ SIAM PARAGON Open daily including public holidays from 11:00 a.m. to 8:00 p.m. Tel. 02-6109751-3

THE WISDOM LOUNGE @ EMQUARTIER Open daily including public holidays Tel. 02-0036532-4 Monday - Friday 10.30 a.m. – 8:00 p.m. Weekend 10:30 a.m. – 7:30 p.m. Terms and conditions for use of THE WISDOM Lounge: - Register with your KBank THE WISDOM Card (primary or supplementary) or THE WISDOM passbook for each use. - Cardholder may be accompanied by one person. Additional persons will be admitted in exchange for 2,000 reward points each. Children less than 4 years of age may accompany Cardholder with no exchange of points. - Please reserve meeting room at least three days in advance if possible. If advance reservations have not been made, please verify room availability before arrival. You may use the meeting room if it is not already occupied. - Cardholder may register to use Lounge facilities such as computers and projectors; each such use is limited to two hours. - Use of the facility is limited to two hours per occasion and four occasions each month. (To cancel your reservation, please inform one day in advance.)

THE WISDOM PRIVILEGE BOOK 2021 09 THE WISDOM LOUNGE @ ICONSIAM

เปดใหบริการทุกวัน และ วันหยุดนักขัตฤกษ เวลา 11.00 - 21.00 น. โทร. 02-0497940-44

KBank THE WISDOM Card Financial Services Snacks and Beverages

Available to primary cardholder Available to primary cardholder and one accompanying guest and one accompanying guest Primary *Additional persons will be admitted *Additional persons will be admitted in exchange for 2,000 KBank THE in exchange for 5,000 KBank THE WISDOM Card reward points each.* WISDOM Card reward points each.*

Available to supplementary Not available cardholder and one *Supplementary cardholder and one Supplementary accompanying guest accompanying guest will be admitted *Additional persons will be admitted in exchange for 5,000 KBank THE in exchange for 2,000 KBank THE WISDOM Card reward points each.* WISDOM Card reward points each.*

Terms and conditions for use of services at THE WISDOM LOUNGE @ ICONSIAM: - Children less than four years of age may accompany Cardholder with no exchange of points. - Use of the Lounge is limited to once a day; gaining access to and exiting the Lounge will be counted as one use of the service. - Minibar snacks and beverages are made available from 11:00 a.m. to 7:00 p.m. Cardholders may also use the Minibar service after that period. - Snacks and beverages are available within THE WISDOM Lounge @ ICONSIAM only. - Available only to customers maintaining THE WISDOM status per KBank’s established criteria upon the use of the service. - KBank reserves the right to change the conditions without prior notice. THE WISDOM Lounge @ Department store

For THE WISDOM Lounge location information or for more details, please visit www.kasikornbank.com/THEWISDOM Terms and conditions for use of services at THE WISDOM Lounge: - Register with your KBank THE WISDOM Card (primary or supplementary) or THE WISDOM passbook for each use. - Cardholder may be accompanied by one person. Additional persons will be admitted in exchange for 2,000 reward points each. (Children less than four years of age may accompany Cardholder with no exchange of points.)

10 THE WISDOM PRIVILEGE BOOK 2021 THE WISDOM Center

THE WISDOM Centers provide ﬁnancial services to THE WISDOM customers in luxurious, high-class settings, with the assistance of our ofﬁcers. Faciliities - Reception: Lounges or private reception rooms for your guests. - Meeting rooms: Private meeting rooms, providing a convenient space for important business negotiations. For THE WISDOM Center location information or to learn more, please visit www.kasikornbank.com/THEWISDOM Terms and conditions for use of services at THE WISDOM Center: - Register with your KBank THE WISDOM Card (primary or supplementary) or THE WISDOM passbook for each use of the service. - Cardholder may be accompanied by one person. Additional persons will be admitted in exchange for 2,000 reward points each. . Children less than 4 years of age may accompany Cardholder with no exchange of points. - Please reserve meeting room at least three days in advance if possible. If advance reservations have not been made, please verify room availability before arrival. You may use the facility if it is not already in use by another customer. - Cardholder may register to use Center facilities such as computers and projectors; each such use is limited to two hours. - Use of meeting room is limited to two hours per occasion and four occasions each month. (To cancel your reservation, please inform one day in advance.) THE WISDOM Corner

THE WISDOM Corners are special areas welcoming KBank THE WISDOM Cardholders and providing convenience and privacy for a new and unique banking experience at KBank branches. THE WISDOM Corners are available during business hours. For THE WISDOM Corner information or to learn more, please visit www.kasikornbank.com/THEWISDOM

K-Med Club Chiang Mai University

Serving medical lecturers of Chiang Mai University for enhanced convenience and privacy when conducting ﬁnancial transactions, the K-Med Club Chiang Mai University is open during KBank business hours. Call 053-289170-1.

THE WISDOM PRIVILEGE BOOK 2021 11 THE WISDOM Center with Safe Deposit Box

THE WISDOM Centers with Safe Deposit Box provide international-standard high-security deposit box systems to THE WISDOM customers. Located in central business districts for your business and personal convenience, these Centers also include dressing rooms, reception areas and private meeting rooms. For locations of THE WISDOM Center with Safe Deposit Box or for more details, please visit www.kasikornbank.com/THEWISDOM Terms and conditions for use of Safe Deposit Box: - Privilege available to customers with deposits/investments of at least 10 million Baht with KBank as of the date of application - New customers may use the service if they hold a combined total of at least 10 million Baht in KBank products with maturities of not less than six months, such as fixed-term deposits, KBank debentures and/or mutual funds determined by KBank. - Deposit and/or investment must be in the individual’s name. - Minimum age: 20 years - Thai nationality only - Annual fee waiver limited to one safe deposit box per person. Fee waiver for the following year: Only valid for Cardholders having maintained a 12-month average in deposits and/or investments with KASIKORNBANK in accordance with criteria of deposits and/or investments established by KBank. Fee and criteria for waiver of fee for safe deposit box for THE WISDOM customers:

Annual fee Deposit/investment (Inclusive amount/waiver Format Size of VAT) of annual fee * (Baht) (Unit: Million Baht) THE WISDOM Safe Deposit Box 1. Seacon Square 2 9. Sukhumvit 101 Branch Branch 2. Central Bang Na 10. Thanon Rojana Branch Ayutthaya Branch 3. Central Plaza Chon 11. Ban Pong Branch M1 3,745 10 Buri Branch 12. Thanon Sukhumvit 4. Central Plaza Chon Buri 1 Branch Rayong Branch 13. Thanon Setthakit 1 5. Central Plaza West Samut Sakhon M2 3,745 30 Gate Branch Branch 6. THE WISDOM 14. Thanon Chang Lounge Paradise Khlan Chiang Mai Park 2 Branch L 5,350 50 7. Thanon Chaeng 15. Mae Sai Branch Watthana Branch 16. Phuket Branch 8. Bang Bon Branch THE WISDOM Safe Deposit Box Center M1 8,560 10 1. Phahon Yothin Main Branch M2 12,840 30 2. Sukhumvit (Two Paciﬁc Place Building) Branch L 16,050 50 THE WISDOM Safe Deposit Box Center @ 1. EmQuartier Branch 3. Central Embassy 2. Thanon Sathorn Branch M1 16,050 10 (So Bangkok Hotel) 4. THE WISDOM M2 26,750 30 Branch LOUNGE @ SIAM L 37,450 50 PARAGON Note:* For THE WISDOM customers with deposit and/or investment in the individual’s name, including all products of other companies under KASIKORNBANK FINANCIAL CONGLOMERATE in Thailand (deposits, mutual funds that are directly invested via KBank and KAsset only, excluding those invested via other selling agents), KBank’s subordinated debentures and K-Private Fund) and/or other conditions determined by KBank.

12 THE WISDOM PRIVILEGE BOOK 2021 THE WISDOM Financial Privilege

KBank THE WISDOM Cardholders enjoy fee exemptions for financial services: - No fee on up to 12 cashier’s cheques a year - No fee on up to 12 standard gift cheques a year - No fee on funds transfers between savings and current accounts - No charge for up to five THE WISDOM chequebooks a year* - No fee for SMS alerts on cheque transactions (K-Cheque Alert)** - No maintenance fee on savings and current accounts** - No fee for certified financial statements*** - No fee for hardcopy savings and/or current account statements - No fee for replacement of lost passbook Terms and conditions for using the service: - Please present your KBank THE WISDOM Card (primary) to exercise the privileges at a KBank branch. - These privileges are strictly non-transferable. - These privileges terminate upon end of THE WISDOM customer status. * Present your KBank THE WISDOM card (primary) and THE WISDOM cheque voucher to exercise this privilege at a KBank branch. Customers must give notice of the change in THE WISDOM chequebook by calling THE WISDOM Contact Center at 02-8888899, and new THE WISDOM chequebooks will be issued within three business days of your notice. This privilege is non-transferable. (KBank will send THE WISDOM cheque voucher to customers placing an order for THE WISDOM chequebooks in 2019-2020. Please call THE WISDOM Contact Center at 02-8888899 if you do not receive it.) ** Please present your KBank THE WISDOM Card (primary) to exercise the privilege at a KBank branch. *** Present your KBank THE WISDOM Card (primary) to request a waiver of fee for financial statement and savings and/or current account statement at KBank branches. KBank reserves the right to issue financial statement not more than one year prior to the request date. Special Credit Line for Securities Trading

Get 5-million Baht special credit line for securities trading with KASIKORN SECURITIES PCL upon presenting your KBank THE WISDOM Card. Learn more from the KS Call Center, KASIKORN SECURITIES PCL, tel. 02-6960011.

THE WISDOM Contact Center 02-8888899

The dedicated THE WISDOM Contact Center staff is on hand 24 hours a day at 02-8888899 to give THE WISDOM customers exclusive access to financial information and transaction details, any time, day or night. The Center coordinates THE WISDOM privileges such as concierge services worldwide, facilitating your affairs with hotel and flight reservations, gift and floral deliveries, roadside assistance, and consultation on home renovations.

THE WISDOM PRIVILEGE BOOK 2021 13 BUSINESS EMPOWERMENT THE WISDOM Business Assistant Service

THE WISDOM Business Assistant Service maximizes your management in the digital age, enabling your business to advance rapidly. - Information and reservation services for meeting rooms both in Thailand and abroad - Information on hotels for seminars or meetings with customers - Assistance for your business trip abroad, for example, advice on business visa application, translation service, limousine service, car rental, etc.

THE WISDOM Digital Business Support

Exclusive THE WISDOM privileges designed to broaden your leadership vision through solutions that can be applied to your business - Knowledge-based seminars to enhance your business strategies for the digital era - Advice on business solutions by K SME DIGIBIZ – a valuable source of tools in the digital age - Business articles and analyses by KResearch and experts - Privileges to join KBank business seminars and networking activities - Privileges and business advice by KBank partners Terms and conditions: - Conditions for the privileges are determined by KBank. - Learn more at www.kasikornbank.com/THEWISDOM - For more information on services, call THE WISDOM Contact Center, 02-8888899, 24 hours a day.

14 THE WISDOM PRIVILEGE BOOK 2021

THE SYMBOL OF YOUR WELLNESS

THE WISDOM Annual Health Checkup and Specialized Checkup

An annual health checkup or specialized health checkup, free of charge, available at leading hospitals Beneﬁts that you can choose

1. Annual health checkup details are as follows: • Physical examination • Complete blood count (CBC) • Fasting blood sugar (FBS) • Liver function test (SGPT, SGOT, Alkaline phosphatase) • Kidney function test (Creatinine, BUN) • Uric Acid • Blood lipids count (Cholesterol, Triglyceride, HDL, LDL) • Complete urine exam • Chest X-ray • Electrocardiogram (EKG) • Results report 2. Quadrivalent inﬂuenza vaccine* 3. Pap smear by obstetrician 4. Prostate-speciﬁc antigen (PSA) test

Participating hospitals - Bangkok Hospital Group: Bangkok (Soi Soonvijai), Pattaya, Rayong, Trat, Chanthaburi, Phuket, Hat Yai, Samui, Surat Thani, Nakhon Ratchasima, Udon Thani, Khon Kaen, Hua Hin, Sanam Chan (Nakhon Pathom), Chiang Mai and Chiang Rai - Samitivej Hospitals: Sukhumvit, Srinakarin, Sriracha, Thonburi and China Town - Phyathai Hospital Group: Phyathai Hospital 1, Phyathai Hospital 2, Phyathai Hospital 3, Phyathai Hospital Sriracha and Phyathai Hospital Nawamin - Paolo Hospital Group: Phaholyothin, Chokchai 4, Samut Prakan and Phrapradaeng - Ekachai Hospital, Samut Sakhon - Muang Raj Hospital, Ratchaburi - Nakharin Hospital, Nakhon Si Thammarat - Rajthanee Hospital, Phra Nakhon Si Ayutthaya - Srisawan Hospital, Nakhon Sawan - Pitsanuvej Hospital, Phitsanulok - Kasemrad Sriburin Hospital, Chiang Rai - Ubonrak Thonburi Hospital, Ubon Ratchathani *Specialized checkup is available at participating BDMS hospitals: Bangkok Hospital Group: Bangkok (Soi Soonvijai), Pattaya, Rayong, Trat, Chanthaburi, Phuket, Hat Yai, Nakhon Ratchasima, Udon Thani, Khon Kaen, Hua Hin, Sanam Chan (Nakhon Pathom) and Chiang Rai Samitivej Hospitals: China Town, Thon Buri and Sri Racha Paolo Hospital Group: Phaholyothin and Phrapradaeng

18 THE WISDOM PRIVILEGE BOOK 2021 Benefits that you can choose Cardholders choosing to use the privilges of annual health checkup are entitled to the Chivawattana Value Gold Card that offers myriad privileges of 1. Annual health checkup details are as follows: Bangkok Hospital Group, Samitivej Hospitals, Phayathai Hospital Group and • Physical examination Paolo Hospital Group • Complete blood count (CBC) • 30% off inpatient room • Fasting blood sugar (FBS) • 10% off for IPD/OPD medical expenses • Liver function test (SGPT, SGOT, Alkaline phosphatase) • Up to 10% off dentistry • Kidney function test (Creatinine, BUN) • Uric Acid Health Checkup Reservation • Blood lipids count (Cholesterol, Triglyceride, HDL, LDL) Please make your reservation at least five business days in advance through • Complete urine exam THE WISDOM Contact Center, tel. 02-8888899. • Chest X-ray Terms and conditions for use of services: • Electrocardiogram (EKG) - Available only to THE WISDOM primary cardholders. • Results report - This service is available once per year, including all channels; one person per one call only. - This privilege is not transferable or exchangeable. 2. Quadrivalent influenza vaccine* - For more information on services, conditions and exemptions, call THE WISDOM Contact Center, 3. Pap smear by obstetrician 02-8888899, 24 hours a day. - Only valid for cardholders who comply with reservation procedures. 4. Prostate-specific antigen (PSA) test - Cardholders failing to comply with established conditions are not allowed to use the services under any circumstance. (Use of services without making advance reservation is not allowed in all cases.) Participating hospitals - The Bank reserves the right to limit the number of customers using this service in a month. - Bangkok Hospital Group: Bangkok (Soi Soonvijai), Pattaya, Rayong, Trat, - Appointments can be changed five business days in advance, only through THE WISDOM Contact Center, 02-8888899. Chanthaburi, Phuket, Hat Yai, Samui, Surat Thani, Nakhon Ratchasima, - Please present your THE WISDOM Card together with THE WISDOM confirmation slip at the hospital Udon Thani, Khon Kaen, Hua Hin, Sanam Chan (Nakhon Pathom), Chiang Mai counter when arriving for a check-up. and Chiang Rai - Only valid for customers maintaining THE WISDOM status at the time of using the service (having maintained a six-month average of not less than 10 million Baht in deposits, investments and/or life - Samitivej Hospitals: Sukhumvit, Srinakarin, Sriracha, Thonburi and insurance premiums in accordance with the types and/or conditions established by KBank as of the China Town date the privilege is used) - Phyathai Hospital Group: Phyathai Hospital 1, Phyathai Hospital 2, Phyathai Hospital 3, Phyathai Hospital Sriracha and Phyathai Hospital Oral examination and scaling at BDMS Wellness Clinic Nawamin - Paolo Hospital Group: Phaholyothin, Chokchai 4, Samut Prakan and Oral examination and scaling at special price of 900 Baht (normal price of 2,250 Baht) Phrapradaeng at Dental Wellness Clinic - Ekachai Hospital, Samut Sakhon Please make reservation at least three business days in advance through THE WISDOM - Muang Raj Hospital, Ratchaburi Contact Center, tel. 02-8888899. - Nakharin Hospital, Nakhon Si Thammarat Terms and conditions for use of services: - Rajthanee Hospital, Phra Nakhon Si Ayutthaya - Available only to THE WISDOM primary cardholders. - Srisawan Hospital, Nakhon Sawan - This service is available once annually; one person per one call only. - This privilege is not transferable or exchangeable. - Pitsanuvej Hospital, Phitsanulok - For more information, please call BDMS Wellness Clinic, Witthayu Road, at 02-8269999. - Kasemrad Sriburin Hospital, Chiang Rai - Ubonrak Thonburi Hospital, Ubon Ratchathani Online medical consulation available 24 hours a day *Specialized checkup is available at participating BDMS hospitals: Bangkok by Samitivej Virtual Hospital Hospital Group: Bangkok (Soi Soonvijai), Pattaya, Rayong, Trat, Chanthaburi, Phuket, Hat Yai, Nakhon Ratchasima, Udon Thani, Khon Kaen, Hua Hin, Samitivej VDO Call for 15 minutes, free of charge Sanam Chan (Nakhon Pathom) and Chiang Rai Samitivej Hospitals: China Please make advance reservation through THE WISDOM Contact Center, Town, Thon Buri and Sri Racha Paolo Hospital Group: Phaholyothin and tel. 02-8888899. Phrapradaeng Terms and condtions for use of services - Available only to THE WISDOM primary cardholders. - This service is available once per year; one person per one call only. - This privilege is not transferable or exchangeable.

THE WISDOM PRIVILEGE BOOK 2021 19 Special Offers from Leading Hospital Groups Bangkok Hospital Phuket Special Offers from the Bangkok Hospital Group - 10% off inpatient room prices (excluding hospital service charges, nursing services and meals) - 10% off medication costs (excluding physician fees, medical supplies, special Bangkok Hospital (Soi Soonvijai) laboratory work, special medications, special equipment and packages) - 20% off room prices (excluding hospital service charges, nursing services and meals) Bangkok Hospital Samui - 10% off cost of medication (excluding physician fees, medical supplies, - 15% off medication costs for outpatients (excluding physician fees, medical special laboratory work, special medications, special equipment and supplies, special laboratory work, special medications, special equipment packages) and packages) - 10% off costs of five dental procedures: fillings, extractions, gum disease - 10% off inpatient room prices (excluding ICU, CCU and IMCU room) treatment, root canal treatment and pediatric dentistry Bangkok Hospital Phetchaburi Bangkok Hospital Pattaya - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off room prices (excluding ICU, CCU and NICU) services and meals) - 10% off cost of medication (excluding vaccinations and special medications) - 10% off medication costs (excluding physician fees, medical supplies, special - 15% off scaling laboratory work, special medication, special equipment and packages) - 5% off general dentistry and pediatric dentistry, excluding prosthodontics Bangkok Hospital Muang Raj and esthetics - 10% off inpatient room prices (excluding hospital service charges, nursing Bangkok Hospital Chanthaburi services and meals) - 10% off cost of medication (excluding special medications) - 10% off medication costs (excluding physician fees, medical supplies, special - 10% off room prices (excluding ICU, CCU and IMCU) laboratory work, special medications, special equipment and packages) Bangkok Hospital Rayong Bangkok Hospital Surat - 10% off room prices (excluding ICU, CCU, NS, LR, meals, nursing services - 5% off inpatient room prices (excluding hospital service charges, nursing and hospital service charges) services and meals) - 10% off cost of medication (excluding physician fees, special medications - 5% off medication costs (excluding physician fees, medical supplies, special and special medical supplies) laboratory work, special medications, special equipment and packages) Bangkok Hospital Udon Bangkok Hospital Trat - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off inpatient room prices (excluding ICU room) services and meals) - 10% off medication costs (excluding physician fees, special equipment, - 10% off medication costs (OPD, IPD) (excluding physician fees, medical special medications, all types of vaccines, special medical supplies, special supplies, special laboratory work, special medications, special equipment laboratory work and packages) and packages) Koh Chang International Hospital Bangkok Hospital Khon Kaen - 10% off inpatient room (excluding ICU room) - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off medication costs (excluding physician fees, special equipment, services and meals) special medications, all types of vaccines, special medical supplies, special - 10% off medication costs (excluding physician fees, medical supplies, special laboratory work and packages) laboratory work, special medications, special equipment and packages) Bangkok Hospital Sanamchan Bangkok Hospital Phitsanulok - 5% off inpatient room prices (excluding hospital service charges, nursing - 10% off inpatient room prices (excluding ICU and CCU room) services and meals) - 5% off medication costs (excluding physician fees, special equipment, - 5% off medication costs (excluding physician fees, medical supplies, special special medications, all types of vaccines, special medical supplies, laboratory work, special medications, special equipment and packages) laboratory work, and packages) Bangkok Hospital Ratchasima Bangkok Hospital Hua Hin - 10% off inpatient room prices (excluding ICU, CCU, NS, LR room, hospital - 5% off inpatient room prices (excluding hospital service charges, nursing service charges, nursing services and meals) services and meals) - 10% off medication costs (excluding physician fees, special medications - 5% off medication costs (excluding physician fees, medical supplies, special and special medical supplies) laboratory work, special medications, special equipment and packages) - 5% off costs of five dental procedures: fillings, extractions, gum disease treatment, root canal treatment and pediatric dentistry

20 THE WISDOM PRIVILEGE BOOK 2021 Special Offers from Leading Hospital Groups Bangkok Hospital Phuket Special Offers from the Bangkok Hospital Group - 10% off inpatient room prices (excluding hospital service charges, nursing services and meals) - 10% off medication costs (excluding physician fees, medical supplies, special Bangkok Hospital (Soi Soonvijai) laboratory work, special medications, special equipment and packages) - 20% off room prices (excluding hospital service charges, nursing services and meals) Bangkok Hospital Samui - 10% off cost of medication (excluding physician fees, medical supplies, - 15% off medication costs for outpatients (excluding physician fees, medical special laboratory work, special medications, special equipment and supplies, special laboratory work, special medications, special equipment packages) and packages) - 10% off costs of five dental procedures: fillings, extractions, gum disease - 10% off inpatient room prices (excluding ICU, CCU and IMCU room) treatment, root canal treatment and pediatric dentistry Bangkok Hospital Phetchaburi Bangkok Hospital Pattaya - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off room prices (excluding ICU, CCU and NICU) services and meals) - 10% off cost of medication (excluding vaccinations and special medications) - 10% off medication costs (excluding physician fees, medical supplies, special - 15% off scaling laboratory work, special medication, special equipment and packages) - 5% off general dentistry and pediatric dentistry, excluding prosthodontics Bangkok Hospital Muang Raj and esthetics - 10% off inpatient room prices (excluding hospital service charges, nursing Bangkok Hospital Chanthaburi services and meals) - 10% off cost of medication (excluding special medications) - 10% off medication costs (excluding physician fees, medical supplies, special - 10% off room prices (excluding ICU, CCU and IMCU) laboratory work, special medications, special equipment and packages) Bangkok Hospital Rayong Bangkok Hospital Surat - 10% off room prices (excluding ICU, CCU, NS, LR, meals, nursing services - 5% off inpatient room prices (excluding hospital service charges, nursing and hospital service charges) services and meals) - 10% off cost of medication (excluding physician fees, special medications - 5% off medication costs (excluding physician fees, medical supplies, special and special medical supplies) laboratory work, special medications, special equipment and packages) Bangkok Hospital Udon Bangkok Hospital Trat - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off inpatient room prices (excluding ICU room) services and meals) - 10% off medication costs (excluding physician fees, special equipment, - 10% off medication costs (OPD, IPD) (excluding physician fees, medical special medications, all types of vaccines, special medical supplies, special supplies, special laboratory work, special medications, special equipment laboratory work and packages) and packages) Koh Chang International Hospital Bangkok Hospital Khon Kaen - 10% off inpatient room (excluding ICU room) - 10% off inpatient room prices (excluding hospital service charges, nursing - 10% off medication costs (excluding physician fees, special equipment, services and meals) special medications, all types of vaccines, special medical supplies, special - 10% off medication costs (excluding physician fees, medical supplies, special laboratory work and packages) laboratory work, special medications, special equipment and packages) Bangkok Hospital Sanamchan Bangkok Hospital Phitsanulok - 5% off inpatient room prices (excluding hospital service charges, nursing - 10% off inpatient room prices (excluding ICU and CCU room) services and meals) - 5% off medication costs (excluding physician fees, special equipment, - 5% off medication costs (excluding physician fees, medical supplies, special special medications, all types of vaccines, special medical supplies, laboratory work, special medications, special equipment and packages) laboratory work, and packages) Bangkok Hospital Ratchasima Bangkok Hospital Hua Hin - 10% off inpatient room prices (excluding ICU, CCU, NS, LR room, hospital - 5% off inpatient room prices (excluding hospital service charges, nursing service charges, nursing services and meals) services and meals) - 10% off medication costs (excluding physician fees, special medications - 5% off medication costs (excluding physician fees, medical supplies, special and special medical supplies) laboratory work, special medications, special equipment and packages) - 5% off costs of five dental procedures: fillings, extractions, gum disease treatment, root canal treatment and pediatric dentistry

THE WISDOM PRIVILEGE BOOK 2021 21 Exclusive privileges from Samitivej Hospital Group Samitivej Sukhumvit Hospital and Samitivej Srinakarin Hospital - 30% off inpatient room for the ﬁrst three nights only (excluding physician fees, meals, nursing services, special medications, special equipment, special medical supplies and packages) - Free emergency ambulance service once per year (for inpatients) within only the Bangkok Metropolitan Area, excluding physician fees, medications, special equipment that may arise while using services Samitivej Chinatown Hospital - 15% off medication, laboratory and x-ray costs (excluding special l aboratory, special x-ray and special medication costs) - Free emergency ambulance service once per year (for inpatients) within only the Bangkok Metropolitan Area, excluding physician fees, medications, special equipment that may arise while using services Samitivej Thonburi Hospital - 20% off inpatient room prices (excluding ICU, OR, NS room, physician fees, nursing services and meals) - 10% off medication and laboratory costs (excluding physician fees, medical supplies, special laboratory, special medications, special equipment and packages). Samitivej Sriracha Hospital - 15% off inpatient room prices (excluding ICU, OR, NS room, physician fees, nursing services and meals) - 10% off medication and laboratory costs (excluding physician fees, medical supplies, special laboratory work, special medications, special equipment and packages) Samitivej Chonburi Hospital - 15% off inpatient room prices (excluding ICU, OR, NS room, physician fees, nursing services and meals) - 10% off medication costs (excluding special medications and packages) Terms and conditions of use of privileges: - For payment transactions via KBank THE WISDOM Card only - Discounts offered by hospitals may vary depending on the conditions of respective hospitals and participating hospitals only. - Please inquire regarding discounts and conditions with hospitals prior to using the service. - KBank and participating hospitals reserve the right to change, alter or cancel such privileges without prior notice.

VIP services from BDMS Wellness Clinic - Use of lounge facilities on 2nd ﬂoor with one accompanying guest, plus complimentary Welcome Set - Free car parking lot for 8 hours (Monday-Friday, 8:00 a.m.-5:00 p.m.) - Free Wi-Fi - 5% off customized and tailor-made supplements (cannot be used in combination with other promotions) - Movenpick BDMS Wellness Resort Bangkok: 20% off food bill of not less than 1,000 Baht; 15% off food and alcoholic beverages at Rim Khlong Café, Tamarind Restaurant, Cinnamon Lobby Bar Terms and conditions for use of privileges: - Please make your reservation at least one business day in advance at tel. 02-8269999 for use of lounge facilities on the 2nd floor. - Please present your KBank THE WISDOM Card to use the service at the counter on the 2nd floor. - Subject to conditions established by the company

22 THE WISDOM PRIVILEGE BOOK 2021 VIP services from Phyathai Hospital Group and Paolo Hospital Phahon Yothin - Free emergency ambulance service for inpatients once a year; available to cardholders (primary) only (within Bangkok only, excluding the outskirts, for Phyathai Hospital 1, Phyathai Hospital 2, Phyathai Hospital 3, and Phyathai Nawamin; and within Chon Buri only for Phyathai Si Racha (excluding physician fees) - Fast-track reception service is available; reservation must be made at least one business day in advance through the Call Center - GPS (BES) tracking service for calling emergency ambulance - Personal assistant in attendance throughout the use of the service. Please make your reservation at least 24 hours in advance through the Call Center. - VIP reception room or VIP Zone (if any) is available to primary and supplementary cardholders and one accompanying guest. Please make your reservation at least one business day in advance through the Call Center. - Complimentary consultant service is provided by nurse specialists, and special reservation is available through the Call Center. - Car parking lots (1-3 cars) at Phyathai Hospital 1, Phyathai Hospital 2 and Phyathai Hospital 3; subject to car park space availability - Valet parking Terms and conditions for use of privileges: - Please present your THE WISDOM Card when using the service. - Please make your reservation at least one business day in advance through the Phyathai Call Center 1772, press 8; and Paolo Hospital Phahon Yothin, Tel. 02-2717000. - Service is subject to availability of hospital staff and periods of service use. Please make your reservation at least one business day in advance. - Conditions of participating hospitals apply.

VIP services from MedPark Hospital - Use of the Evergreen Lounge facilities on M ﬂoor with one accompanying guest - 5% off medication costs, excluding special medications, namely chemotherapy drugs, hormones, vaccines, drugs (net price), herbal medicines and drugs under sales promotional campaigns) - 10% off inpatient room prices (excluding hospital service charges, nursing services and meals) - 5% off at the Dental Center for four procedures: scaling, dental crowns, tooth whitening and dental implants Terms and conditions for use of privileges: - Please present your THE WISDOM Card when using the service. - Please make your reservation at least one business day in advance through the MedPark Access Center, Tel. 02-0233333. - Discounts cannot be exchanged for or changed into cash, or used in combination with other promotions. - Conditions of the hospital apply.

THE WISDOM PRIVILEGE BOOK 2021 23 Online personal wellness advisory service by specialists of Chiva-Som International Health Resort - Free online personal wellness advisory service (50 minutes) by specialists of Chiva-Som International Health Resort - Please make your reservation at least three business days in advance, but not exceeding 30 business days in advance. - Please contact THE WISDOM Contact Center, Tel. 02-8888899. Terms and conditions for use of privileges: - Available only to THE WISDOM primary cardholders who meet the conditions determined by KBank - This service is available once per year; one person per one call only. - The availability of this service is limited. - This privilege is not transferable or exchangeable. - For more details, please call Tel. 032-536791.

Wellness at home from Divana Urban Wellness Ofﬁce syndrome therapeutic massage service for 100 minutes, valued at 1,200 Baht. Please make your reservation at least three business days in advance. Please contact THE WISDOM Contact Center, Tel. 02-8888899. Terms and conditions for use of privileges: - Available only to THE WISDOM primary cardholders who meet the conditions determined by KBank - This service is available once per year; one person per one call only. - This privilege is not transferable or exchangeable. - The company reserves the right to charge travel expenses for services offered in areas located at least three kilometers from BTS/MRT stations. - For more details, please call Tel. 066-0958526 or 02-6369800.

Mattress cleaning and sanitizing service from De Hygienique Cleaning and sanitizing service for mattresses (size 6x6 feet) once per year, worth 3,590 Baht, from De Hygienique Please make your reservation at least three business days in advance, but not exceeding 30 business days in advance. Please contact THE WISDOM Contact Center, Tel. 02-8888899. Terms and conditions for use of privileges: - Available only to THE WISDOM primary cardholders who meet the conditions determined by KBank. - This service is available once annually; one person per one call only. - The availability of this service is limited. - This privilege is not transferable or exchangeable. - Transportation expenses will be charged for services offered beyond the Bangkok Metropolitan Area, based on the distance. - For more details, please call Tel. 02-2817103.

24 THE WISDOM PRIVILEGE BOOK 2021 Fitness Service at leading ﬁtness centers

Thana City Country Club 02-1722300 6:00 a.m.-3:00 p.m. Monday-Friday, The following centers offer ﬁtness service privileges to THE WISDOM 4:00 p.m.-9:00 p.m. Weekends and Cardholders: public holidays The Bangkok Metropolitan Area Virgin Active Empire Tower 02-7709772 6:00 a.m.-3:00 p.m. Monday-Friday, Leading Fitness Center Telephone Remarks 4:00 p.m.-9:00 p.m. Weekends and Absolute You, Crystal Park, 02-5150868 7:30 a.m.-9:30 p.m. Monday-Friday, public holidays Ekkamai-Ramindra 7:30 a.m.-5:30 p.m. Weekends and public holidays WE Fitness, Khae Rai 02-5913939 6:00 a.m.-5:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends Absolute You, Central Plaza 02-9370747 8:30 a.m.-9:30 p.m. Monday-Thursday, Ladprao 9:00 a.m.-9:00 p.m. Friday, WE Fitness, J-Avenue, 02-1193309 8:00 a.m.-5:00 p.m. Monday-Friday, 8:30 a.m.-6:30 p.m. Weekends and Thong Lo 8:00 a.m.-9:00 p.m. Weekends public holidays WE Fitness, Pin Klao 02-1193399 8:00 a.m.-5:00 p.m. Monday-Friday, Absolute You, The Cycle 02-0500214 8:00 a.m.-9:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends Ratchaphruek 8:30 a.m.-6:30 p.m. Weekends and WE Fitness, Ratchayothin 02-5153699 8:00 a.m.-5:00 p.m. Monday-Friday, public holidays 8:00 a.m.-9:00 p.m. Weekends Absolute You, Market Place 02-2872099 7:30 a.m.-9:00 p.m. Monday-Thursday, WE Fitness, VIE Hotel 02-3093939 8:00 a.m.-5:00 p.m. Monday-Friday, Nanglinchee 7:30 a.m.-7:30 p.m. Friday, 8:00 a.m.-9:00 p.m. Weekends 8:30 a.m.-4:00 p.m. Weekends and public holidays WE Fitness, Ekkamai 02-7853939 6:00 a.m.-5:00 p.m. Monday-Friday, 8:00 a.m.-10:00 p.m. Weekends Absolute You, La Villa Ari 02-0610709 7:00 a.m.-9:30 p.m. Monday-Thursday, 7:00 a.m.-8:00 p.m. Friday, WE Fitness, Esplanade 02-6403939 6:00 a.m.-5:00 p.m. Monday-Friday, 8:30 a.m.-4:00 p.m. Weekends and Ratchadaphisek 8:00 a.m.-10:00 p.m. Weekends public holidays

Absolute You, Amarin Plaza, 02-2524400 7:00 a.m.-9:30 p.m. Monday-Thursday, Ploen Chit 7:00 a.m.-9:00 p.m. Friday, 8:00 a.m.-5:30 p.m. Saturday 7:30 a.m.-5:30 p.m. Sunday

Absolute You, RSU Tower 02-2584020 7:00 a.m.-9:30 p.m. Monday-Friday, 8:30 a.m.-8:00 p.m. Weekends and public holidays

Atrium Athletic Club, 02-2714200 10:00 a.m.-5:00 p.m. Monday-Friday, Tipco Tower Noon-8:00 p.m. Weekends and public holidays

SO FIT, So Soﬁtel Bangkok 02-6240000 6:00 a.m.-5:00 p.m. Monday-Friday, 6:00 a.m.-9:00 p.m. Weekends and public holidays Note: Facilities available noon onwards on the final Saturday of each month

THE WISDOM PRIVILEGE BOOK 2021 25 Leading Fitness Center Telephone Remarks

Thana City Country Club 02-1722300 6:00 a.m.-3:00 p.m. Monday-Friday, Phuket Alpha Fitness 076-612655-6 6:30 a.m.-10:00 p.m. 4:00 p.m.-9:00 p.m. Weekends and Monday-Friday, public holidays 8:00 a.m.-9:00 p.m. Virgin Active Empire Tower 02-7709772 6:00 a.m.-3:00 p.m. Monday-Friday, Weekends and public (Special! Customers are also 4:00 p.m.-9:00 p.m. Weekends and entitled to an online Everactive holidays Absolute You, Crystal Park, 02-5150868 7:30 a.m.-9:30 p.m. Monday-Friday, Lite fitness program for 12 months) public holidays Rayong Foresto Fitness Club 098-8188801 9:00 a.m.-9:00 p.m. Ekkamai-Ramindra 7:30 a.m.-5:30 p.m. Weekends and daily. public holidays WE Fitness, Khae Rai 02-5913939 6:00 a.m.-5:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends Songkhla Factory Fit 098-8292989 6:30 a.m.-10:00 p.m. Absolute You, Central Plaza 02-9370747 8:30 a.m.-9:30 p.m. Monday-Thursday, Monday-Friday, Ladprao 9:00 a.m.-9:00 p.m. Friday, WE Fitness, J-Avenue, 02-1193309 8:00 a.m.-5:00 p.m. Monday-Friday, 7:30 a.m.-9:00 p.m. 8:30 a.m.-6:30 p.m. Weekends and Thong Lo 8:00 a.m.-9:00 p.m. Weekends Weekends public holidays WE Fitness, Pin Klao 02-1193399 8:00 a.m.-5:00 p.m. Monday-Friday, Surat Thani The Best Fitness, 089-4474200 8:00 a.m.-10:00 p.m. Absolute You, The Cycle 02-0500214 8:00 a.m.-9:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends Surat Thani Monday-Friday, Ratchaphruek 8:30 a.m.-6:30 p.m. Weekends and WE Fitness, Ratchayothin 02-5153699 8:00 a.m.-5:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. public holidays 8:00 a.m.-9:00 p.m. Weekends Weekends and public Absolute You, Market Place 02-2872099 7:30 a.m.-9:00 p.m. Monday-Thursday, WE Fitness, VIE Hotel 02-3093939 8:00 a.m.-5:00 p.m. Monday-Friday, holidays Nanglinchee 7:30 a.m.-7:30 p.m. Friday, 8:00 a.m.-9:00 p.m. Weekends Udon Thani 9D Sport Complex 042-110487 6:00 a.m.-10:00 p.m. 8:30 a.m.-4:00 p.m. Weekends and Monday-Friday, public holidays WE Fitness, Ekkamai 02-7853939 6:00 a.m.-5:00 p.m. Monday-Friday, 8:00 a.m.-10:00 p.m. Weekends 8:00 a.m.-9:00 p.m. Absolute You, La Villa Ari 02-0610709 7:00 a.m.-9:30 p.m. Monday-Thursday, Weekends WE Fitness, Esplanade 02-6403939 6:00 a.m.-5:00 p.m. Monday-Friday, 7:00 a.m.-8:00 p.m. Friday, 8.00 a.m.-10.00 p.m. Ratchadaphisek 8:00 a.m.-10:00 p.m. Weekends 8:30 a.m.-4:00 p.m. Weekends and Public holidays public holidays

Absolute You, Amarin Plaza, 02-2524400 7:00 a.m.-9:30 p.m. Monday-Thursday, Upcountry Ploen Chit 7:00 a.m.-9:00 p.m. Friday, Provinces Leading Fitness Telephone Remarks 8:00 a.m.-5:30 p.m. Saturday Center 7:30 a.m.-5:30 p.m. Sunday Khon Kaen Fitness First, Central 043-288433 6:00 a.m.-5:00 p.m. Absolute You, RSU Tower 02-2584020 7:00 a.m.-9:30 p.m. Monday-Friday, Khon Kaen Monday-Friday 8:30 a.m.-8:00 p.m. Weekends and Pullman Khon Kaen 043-9133333 6:00 a.m.-10:00 p.m. public holidays Raja Orchid Hotel daily Atrium Athletic Club, 02-2714200 10:00 a.m.-5:00 p.m. Monday-Friday, Chon Buri Fitness First, 038-053888 6:00 a.m.-5:00 p.m. Tipco Tower Noon-8:00 p.m. Weekends and Central Chon Buri Monday-Friday public holidays Chiang Mai DusitD2 053-999999 6:00 a.m.-10:00 p.m. SO FIT, So Soﬁtel Bangkok 02-6240000 6:00 a.m.-5:00 p.m. Monday-Friday, daily 6:00 a.m.-9:00 p.m. Weekends and public holidays Nakhon Fitness First, 044-393591 6:00 a.m.-5:00 p.m. Note: Facilities available noon onwards on Ratchasima The Mall Nakhon Monday-Friday the final Saturday of each month Ratchasima

26 THE WISDOM PRIVILEGE BOOK 2021 Provinces Leading Fitness Telephone Remarks Center Phuket Alpha Fitness 076-612655-6 6:30 a.m.-10:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends and public holidays

Rayong Foresto Fitness Club 098-8188801 9:00 a.m.-9:00 p.m. daily.

Songkhla Factory Fit 098-8292989 6:30 a.m.-10:00 p.m. Monday-Friday, 7:30 a.m.-9:00 p.m. Weekends

Surat Thani The Best Fitness, 089-4474200 8:00 a.m.-10:00 p.m. Surat Thani Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends and public holidays

Udon Thani 9D Sport Complex 042-110487 6:00 a.m.-10:00 p.m. Monday-Friday, 8:00 a.m.-9:00 p.m. Weekends 8.00 a.m.-10.00 p.m. Public holidays

Terms and conditions for use of privileges: - Please present your THE WISDOM Card to use the service. - For more details, please call THE WISDOM Contact Center, Tel. 02-8888899. - There is no time limit on use of services on Saturdays, Sundays and public holidays at centers that specify no time limits on those days (only at certain centers). Please check conditions for service use Khon Kaen Fitness First, Central 043-288433 6:00 a.m.-5:00 p.m. when arriving at the center. Khon Kaen Monday-Friday - This privilege is not transferable or exchangeable. - Use of individual fitness center services limited to once a day per card. Cardholders using the service in Pullman Khon Kaen 043-9133333 6:00 a.m.-10:00 p.m. excess of specified limits are subject to daily service charges at rates established by the fitness center. Raja Orchid Hotel daily - Maximum number of users using the service at the same time, or daily limit of the user numbers, are set by each fitness center; please verify service availability before arriving at the center. Chon Buri Fitness First, 038-053888 6:00 a.m.-5:00 p.m. - KBank shall not be responsible for any expenses incurred from use of the service outside periods stipulated by the Bank. Central Chon Buri Monday-Friday - Privileges limited to users who comply with fitness center regulations. Please check your privileges and conditions for service use before using the service. In case of non-compliance, KBank and fitness centers Chiang Mai DusitD2 053-999999 6:00 a.m.-10:00 p.m. reserve the right to cancel privileges. daily - KBank and fitness centers reserve the right to alter terms and conditions without prior notice. - Only valid for customers maintaining THE WISDOM status at the time of using the service (having Nakhon Fitness First, 044-393591 6:00 a.m.-5:00 p.m. maintained a six-month average of not less than 10 million Baht in deposits, investments and/or life Ratchasima The Mall Nakhon Monday-Friday insurance premiums in accordance with the types and/or conditions established by KBank as of the date the privilege is used) Ratchasima

THE WISDOM PRIVILEGE BOOK 2021 27 THE SYMBOL OF YOUR JOUR NEY

Global Airport Lounge Access (Priority Pass)

Your Priority Pass gives you access to airport lounges for relaxation and convenience at more than 1,300 leading airports worldwide.

Services include complimentary snacks and refreshments and business facilities provided to important customers like you with no limit on service use. Only VIP lounge service is available; other value-added services such as use of shower facilities may be subject to service fees (determined by the Lounge). The service can be used at Suvarnabhumi Airport, Don Mueang International Airport and other domestic airports where VIP lounge service (Priority Pass) is available, and may be subject to VIP lounge fees which will be charged to the credit card. (Lounge fees shall in no case be exempted.) See www.prioritypass.com for details. Terms and conditions for use of privileges: - Available for THE WISDOM primary cardholders only, and one Priority Pass admits THE WISDOM customer and one accompanying guest. - Additional accompanying guests are subject to VIP lounge service fees which will be charged to the credit card. - KBank reserves the right to charge any other service fees, such as fees for use of shower facilities. Please check service fees when arriving at the lounge. - Only valid for customers maintaining THE WISDOM status at the time of using the service (having maintained a six-month average of not less than 10 million Baht in deposits, investments and/or life insurance premiums in accordance with the types and/or conditions established by KBank as of the date the privilege is used)

Miracle Lounge @Suvarnabhumi Airport

When ﬂying from Suvarnabhumi Airport, you may take a rest and relax in nine Miracle Lounges located in Concourse A, C, D, F and G, International Departures. You can enjoy meals, beverages and all other amenities Terms and conditions for use of privileges: - Please present your THE WISDOM Card (primary) to use the service. For more details, please call THE WISDOM Contact Center, Tel. 02-8888899. - Available two times per year, per Cardholder and one accompanying guest (including service use at International Departures); availability is limited. - Only the passenger whose name on the boarding pass corresponds to that on KBank THE WISDOM Card is entitled to Lounge access. This privilege cannot be transferred; persons traveling with a Cardholder may gain access with fees determined by the Miracle Lounge to be paid in cash. - Each use of the Lounge is limited to 2 hours. Cardholders will be charged fees set by the Miracle Lounge for overstaying the limit. - Children less than three years old are allowed access free of charge. - This privilege is reserved for THE WISDOM primary cardholders only; persons accompanying a Cardholder may gain access with fees determined by the Lounge. - There are nine Miracle Lounges located in Concourse A, C, D, F and G, International Departures.

30 THE WISDOM PRIVILEGE BOOK 2021 Miracle Lounge @Don Mueang Airport

When flying from Don Mueang International Airport, you may take a rest and relax in the Miracle Lounge at Don Mueang International Airport, Passenger Terminal 2, 3rd floor, Domestic Departures, located along the walkway to Pier 5; and Passenger Terminal 1, 3rd floor, International Departures. You can enjoy meals, beverages and all other amenities. Terms and conditions for use of privileges: - Please present your THE WISDOM Card (primary) to use the service. For more details, please call THE WISDOM Contact Center, Tel. 02-8888899. - Available two times annually per Cardholder (including the service use at Domestic and International Departures); availability is limited. - Only the passenger whose name on the boarding pass corresponds to that on KBank THE WISDOM Card is entitled to Lounge access. This privilege cannot be transferred; persons traveling with a Cardholder may gain access with fees determined by the Miracle Lounge to be paid in cash. - Each use of the Lounge is limited to 2 hours. Cardholders will be charged fees set by the Miracle Lounge for overstaying the limit. - Children less than three years old are allowed access free of charge. - This privilege is reserved for THE WISDOM primary cardholders only; persons accompanying a Cardholder may gain access with fees determined by the Lounge.

Domestic Coral Lounge

Relax in the Domestic Coral Lounge at Chiang Mai, Chiang Rai, Udonthani, Phuket or Hat Yai when taking a domestic or international ﬂight on any airline. Terms and conditions for using privileges: - Show your KBank THE WISDOM Card (primary card) and boarding pass of Thai Airways International or Thai Smile Airways for access. For more information call THE WISDOM Contact Center, 02-8888899. - Available to THE WISDOM primary cardholders twice annually (based on all types of K-Credit Card). - Each use of the lounge is limited to 2.5 hours, excluding use of shower facilities and other value-added services. Persons traveling together with a Cardholder with the same flight may gain access with fees set by THE EXECUTIVE LOUNGE (THAILAND) COMPANY LIMITED. Cardholders who have already used the service are not entitled to gain access to the lounge again if there are technical difficulties with the flight to be taken. - The Bank reserves the right to collect charges for use of services beyond stated privileges. - Children less than two years old are allowed access free of charge. - The privileges are determined by KBank and THE EXECUTIVE LOUNGE (THAILAND) COMPANY LIMITED. KBank reserves the right to change conditions without prior notice.

THE WISDOM PRIVILEGE BOOK 2021 31 Upgrade Domestic Premium Seat

For added convenience during your trip, you can upgrade your seat when making reservations for your domestic trip with Nok Air (to Nok Premium Seat) and AirAsia (to HOT SEAT). Enjoy complimentary food and beverages per the established menus served on-board, and baggage of up to 20 kg, at no extra charge. Terms and conditions for using privileges: - Available to THE WISDOM primary cardholders twice annually. A one-way trip is counted as one trip. Cardholders can travel with one accompanying guest on the same flight, which can be counted as two trips. - Only valid for cardholders maintaining THE WISDOM status at the time of using the service - Only valid for THE WISDOM primary cardholders maintaining status at the time of using the service (having maintained a six-month average of not less than 10 million Baht in deposits, investments and/ or life insurance premiums in accordance with the types and/or conditions established by KBank). Deposits and/or investment must be in the name of an individual only; this privilege is non-transferable. - Please make your reservation not less than 7 days but not more than 30 business days prior to your departure through THE WISDOM Contact Center, 02-8888899. - Cardholders must buy domestic air tickets via website or Call Center of the relevant airline; seats must not be reserved prior to using this privilege. - Seats can be upgraded only for the flights that have premium seats available; upgrade of premium seats cannot be undertaken with different flights. - Pre-booked meals are available for passengers on Boeing 737 for Nok Air and FD for AirAsia only. - Maximum baggage allowance of 20 kg. is offered to cardholders flying AirAsia and Nok Air. - Upgraded seats cannot be chosen. After seats have been upgraded, passengers’ name cannot be changed, nor shall departure date and time be changed or cancelled. We reserve the right to not change food and beverages after your privilege has been confirmed. - These privileges are limited, and we reserve the right to change the privileges without prior notice. In case of dispute, KBank’s decisions are final. - Privileges are offered from January 1 to December 31, 2021.

THE WISDOM Travel Assistant Service

Make your travel smooth, impressive and ever more convenient! Our Travel Specialist is always on hand to facilitate your travel, no matter your destination. Throughout your journey, the service includes information available while traveling, recommendation of tourist attractions, offers of special discounts, restaurant reservations, emergency assistance in case of accident, lost items or theft, and translation services. The service can be requested through THE WISDOM Contact Center, 02-8888899.

32 THE WISDOM PRIVILEGE BOOK 2021 Global Customer Assistance Services

If you lose your card while traveling abroad, the VSCC (VISA Signature Customer Center) is available 24 hours a day to cancel the lost card and issue an emergency replacement and cash advance. Service numbers for Global Customer Assistance Services (Toll-Free): Hong Kong 800 900 782 Macau 0800 454 China 10800 7440027 (north) 10800 4400027 (south) Taiwan 0080 1444 123 Japan 00531 440 022 South Korea 0308 440 050 Malaysia 1800 80 2997 Singapore 800 448 1250 The Philippines 1800 1441 0015 Indonesia 001 803 441 600 India 000 117, followed by 866 765 9644 New Zealand 0508 600 300 Australia 1800 450 346 UK 0800 169 5189 USA 1866 765 9644 From other countries, call +1 303 967 1090 (collect call).

THE WISDOM Global Travel Accident Insurance Plan

As a THE WISDOM Cardholder, you are covered by personal accident insurance at no extra cost whenever you travel. Simply charge your airfare to your THE WISDOM Card and you are automatically covered by THE WISDOM Global Travel Accident Insurance Plan for up to 20 million Baht.

THE WISDOM PRIVILEGE BOOK 2021 33 THE SYMBOL OF YOUR PLEASURE

THE WISDOM Exclusive Experience

Indulge in multiple exclusive activities thoughtfully selected for your happiness and impressive experience throughout the year. These activities are designed to fulﬁll your lifestyle goals and enhance your understanding of the economy and investment, while providing excellent opportunities for socializing and networking with other successful people in many ﬁelds.

Learn more about terms and privileges as well as other details, or get the latest information, at www.kasikornbank.com/THEWISDOM. You may also inquire through THE WISDOM Contact Center, tel. 02-8888899.

Terms and privileges speciﬁed by KBank. KBank reserves the right to alter terms and privileges without prior notice. Hotel and Spa Privileges RAKxa Wellness & Medical Retreat 10% off when reserving/using the Discover RAKxa and Immunity Booster program, together with other complimentary services. THANN Wellness Destination, Ayutthaya Please make reservations in advance or learn more details by calling Stay 2 nights, pay 1 night* All-inclusive package for 2 persons and pay at 02-0553100. normal rate. The privilege can be used 1 time per month or 12 times per year. Email: [email protected] Make a reservation, or learn more details by calling 035-910910, www.thannwellness.com Divana Spa 20% discount on spa treatments (milk bath course included) THANN Sanctuary spa • Divana Scentuara spa (Soi Somkid Branch, tel. 063-4746566) Pay 1 for 2 persons* when reserving a spa treatment and paying at the • Divana Nurture spa (Nana Branch, tel .02-6512916) normal rate. The privilege can be used 1 time per month or 12 times per year. • Divana Virtue spa (Silom Branch, tel. 02-2366788-9) Please make reservations in advance or learn more details by calling • Divana Dine spa (Thong Lor 17 Branch, tel. 02-7128986) • Gaysorn, 3rd Floor, tel. 02-6561423-4 • Emporium, 5th Floor, tel. 02-6649924-5 Terms and conditions for using privileges: - Available only to THE WISDOM primary cardholders. • Sukhumvit 47 Branch, tel. 02-0117104 - Please learn more details and conditions before making advance reservations. • Icon Siam, 4th Floor, tel. 02-2880105 - Payment must be made with KBank THE WISDOM Card only. www thannsanctuaryspa.info - We reserve the right to alter the privileges without prior notice. Chiva-Som International Health Resort Additional privileges are available when making a reservation at Chiva-Som. • Complimentary room upgrade • Check-in time is from 10 a.m. onwards • Wellness cuisine for lunch on the day of arrival (Service hours: 12:00 p.m. – 2:30 p.m.) • 20% discount on treatments or additional private classes • One free treatment for a minimum two-night stay includes: Thai massage, Chiva-Som signature massage, invigorating massage, relaxing foot massage, Oriental scalp massage, or Chiva-Som skin haven body polish. Please make reservations in advance or learn more details by calling 032-536536. Amatara Wellness Resort • 15% off from Amatara Wellness Resort Best Flexible Rate • 15% off for Wellness Package • 20% off for food and beverages (excluding alcohol) • 20% discount on speciﬁed spa treatments • Complimentary shuttle service to/from Phuket International Airport for a minimum three-night stay. Make advance reservations by calling the hotel directly and specify the “WISDOM” code; or learn more by calling 076-318888. Email: [email protected] Absolute Sanctuary • 10% off from Absolute Sanctuary Best Available Rate • 20% off for wellness cuisine at The love KItchen • 30% off for 60-minute spa treatment at Absolute Sanctuary Wellness Center Make advance reservations by calling the hotel directly and specify the “WISDOM” code; or learn more by calling 077-601190.

36 THE WISDOM PRIVILEGE BOOK 2021 Hotel and Spa Privileges RAKxa Wellness & Medical Retreat 10% off when reserving/using the Discover RAKxa and Immunity Booster program, together with other complimentary services. THANN Wellness Destination, Ayutthaya Please make reservations in advance or learn more details by calling Stay 2 nights, pay 1 night* All-inclusive package for 2 persons and pay at 02-0553100. normal rate. The privilege can be used 1 time per month or 12 times per year. Email: [email protected] Make a reservation, or learn more details by calling 035-910910, www.thannwellness.com Divana Spa 20% discount on spa treatments (milk bath course included) THANN Sanctuary spa • Divana Scentuara spa (Soi Somkid Branch, tel. 063-4746566) Pay 1 for 2 persons* when reserving a spa treatment and paying at the • Divana Nurture spa (Nana Branch, tel .02-6512916) normal rate. The privilege can be used 1 time per month or 12 times per year. • Divana Virtue spa (Silom Branch, tel. 02-2366788-9) Please make reservations in advance or learn more details by calling • Divana Dine spa (Thong Lor 17 Branch, tel. 02-7128986) • Gaysorn, 3rd Floor, tel. 02-6561423-4 • Emporium, 5th Floor, tel. 02-6649924-5 Terms and conditions for using privileges: - Available only to THE WISDOM primary cardholders. • Sukhumvit 47 Branch, tel. 02-0117104 - Please learn more details and conditions before making advance reservations. • Icon Siam, 4th Floor, tel. 02-2880105 - Payment must be made with KBank THE WISDOM Card only. www thannsanctuaryspa.info - We reserve the right to alter the privileges without prior notice. Chiva-Som International Health Resort THE WISDOM Reserved Parking Space Additional privileges are available when making a reservation at Chiva-Som. • Complimentary room upgrade THE WISDOM Cardholders enjoy free reserved parking at leading shopping • Check-in time is from 10 a.m. onwards venues. • Wellness cuisine for lunch on the day of arrival (Service hours: 12:00 p.m. – 2:30 p.m.) Car parking service available at: • 20% discount on treatments or additional private classes • Siam Paragon, car parking 1st floor, South Zone • One free treatment for a minimum two-night stay includes: Thai massage, • Samyan Mitrtown 1st floor Chiva-Som signature massage, invigorating massage, relaxing foot • SO Sofitel Bangkok Hotel, P3 floor massage, Oriental scalp massage, or Chiva-Som skin haven body polish. • Riverside Plaza, 4th floor Please make reservations in advance or learn more details by calling • Esplanade Cineplex Ratchada 032-536536. • Major Cineplex Sukhumvit Amatara Wellness Resort • Major Cineplex Pin Klao • 15% off from Amatara Wellness Resort Best Flexible Rate Terms and conditions for using privileges: - Available only to THE WISDOM primary cardholders. • 15% off for Wellness Package • 20% off for food and beverages (excluding alcohol) • 20% discount on specified spa treatments THE WISDOM Park and Wash • Complimentary shuttle service to/from Phuket International Airport for a minimum three-night stay. THE WISDOM Cardholders enjoy free reserved parking and free car wash Make advance reservations by calling the hotel directly and specify the services at car wash centers “WISDOM” code; or learn more by calling 076-318888. Bangkok and metropolitan area Email: [email protected] • Auto Spa at Siam Paragon (except weekends and public holidays) Absolute Sanctuary • Proclean at Siam Center • 10% off from Absolute Sanctuary Best Available Rate • Proclean at Central Plaza Grand ARama 9 • 20% off for wellness cuisine at The love KItchen • Seven Creation at Central World • 30% off for 60-minute spa treatment at Absolute Sanctuary Wellness Center Reservation for Park and Wash Service in Bangkok Metropolitan Region Make advance reservations by calling the hotel directly and specify the Please make your reservation one day in advance through THE WISDOM “WISDOM” code; or learn more by calling 077-601190. Contact Center, 02-8888899

THE WISDOM PRIVILEGE BOOK 2021 37 Other Provinces

Province Car Wash Center Telephone

Khon Kaen Speed Master 043-234466 083-8787666 086-6422469 Chachoengsao Proclean Robinson Chachoengsao 038-564287 Chon Buri Proclean Central Festival Pattaya Beach 038-043189 Chon Buri Proclean Central Plaza Chon Buri 033-133989 Chiang Rai Poli-Chem Big C Chiang Rai 062-9812692 Chiang Mai Proclean Central Festival Chiang Mai 053-288776 Tak Atommix Auto Spa 084-5959595 Nakhon Pathom Proclean Central Plaza Salaya 02-4296940 Nakhon Ratchasima Sathit Car Care 044-253232 081-5470731 Nakhon Si Thammarat Proclean Cental Nakhon Si Thammarat 075-803105 Nakhon Sawan C-Guard 089-7036022 Ayutthaya Proclean City Park Ayutthaya 035-346288 Phitsanulok CG Car Spa 084-2311194 Phuket Proclean Central Plaza Phuket 076-209261 Rayong Proclean Central Plaza Rayong 038-942683 Ratchaburi Proclean Big C Ratchaburi 088-8983711 Songkhla Ferrari Songkhla-Hat Yai 074-261999 086-4902288 Samut Sakhon Proclean Central Plaza Mahachai 034-112419 Surat Thani Proclean Lotus Surat Thani 077-961460 Udon Thani Proclean Central Plaza Udon Thani 042-110655

Terms and conditions for use of privileges: - Available only to THE WISDOM primary cardholders. - Available once a month in Bangkok and not more than two times a month in other provinces. - Show your KBank THE WISDOM Card (primary card) to access the privilege; for more information call THE WISDOM Contact Center, 02-8888899. - This privilege is not transferable or exchangeable. - Please make your reservations per the conditions above; one car per one call only. - Appointments can be changed at least one business day in advance (in Bangkok). Privilege may be lost if a reservation is cancelled less than one business day in advance. - KBank reserves the right to limit per-occasion expenses. If such limits are exceeded, Cardholders are responsible for payment of the excess amount in cash. - Expenses may be charged to the KBank THE WISDOM Card by some car wash centers. KBank will later reimburse the amount into the card per the established rate. - Available only to customers maintaining THE WISDOM status upon the use of the service (six-month average of at least 10 million Baht in total deposits/investments and/or life insurance premiums for types of policies and in accordance with KBank conditions).

38 THE WISDOM PRIVILEGE BOOK 2021 THE WISDOM Personal Assistant Service

Superior privileges catering to lifestyle needs of THE WISDOM Cardholders, whether in Thailand or abroad, are available at THE WISDOM Contact Center 02-8888899, 24 hours a day. Our lifestyle specialists are always on hand to offer advice and assistance to ensure that you will experience special moments in activities designed to meet your needs. They include: - Cardholders from lifestyle service providers such as hotels, restaurants and spas - Information on specialists for organizing banquets and special events - Assistance and reservation services for Thai and foreign food restaurants - Assistance and reservation services for accommodations, hotels and car rentals - Assistance and reservation services for exclusive travel such as private jet, yacht charter, etc. - Golf course information and reservations - Entertainment information and reservations, for events such as concerts - Assistance for locating hard-to-find items, gifts or flowers for loved ones - Information on tourist attractions worldwide - Home Assistance - Medical Assistance - Roadside Assistance: Towing, jump-starting in case of dead battery, and changing flat tires. KBank covers costs up to 1,500 Baht per occasion; the service may be used twice per year. Terms and conditions for use of privileges: - KBank only locates and coordinates service providers and gives advice. Cardholder is responsible for all expenses incurred. - For more information on services, conditions and exemptions, call THE WISDOM Contact Center, 02-8888899, 24 hours a day.

Conditions, privileges and more details can be obtained from www.kasikornbank.com/THEWISDOM or through THE WISDOM Contact Center, 02-8888899.

THE WISDOM PRIVILEGE BOOK 2021 39 THE WISDOM PRIVILEGE BOOK 2021 is available for download at

www.kasikornbank.com/THEWISDOM

Exclusive privileges are determined by KBank. We reserve the right to change terms and conditions as well as the privileges without prior notice. Only valid for cardholders maintaining THE WISDOM status at the time of using the service (having maintained a six-month average of not less than 10 million Baht in deposits, investments and/or life insurance premiums in accordance with the types and/or conditions established by KBank).

40 THE WISDOM PRIVILEGE BOOK 2021

PRIVILEGE B O OK 2021