P R I V I L E G E B O O K 2 01 7

T H E S Y M B O Lo f

S M A R T S U C C E S S

Welcome to the superior privileges enjoyed by THE WISDOM customers of KBank.

We are pleased to invite you, our valued customer, to enjoy the superb experience

of THE WISDOM: The Symbol of Smart Success – successful people continually

enhancing their lives. Numerous privileges, including travel and lifestyle services,

are provided to meet your unique and valued needs.

With KBank, you can be confident with the wide range of options, including

valuable financial services, available to you. Our greatest wish is to provide you,

THE WISDOM customer, complete and total satisfaction.

To learn more, please call

THE WISDOM Contact Center

02-8888899, 24 hours daily.

K B a n k T H E W I S D O MS u p e r i o r T H E W I S D O M

P r i v i l e g e s

Privileged Access to Investment Consultants

Fee exemptions and preferential rates for financial

services

THE WISDOM Financial Privileges

Privileged Access to Services from KBank

Superior Travel Privileges

Superior Lifestyle Privileges

WORLDWIDE PRIVILEGES

WORLD-CLASS FINANCIAL PRIVILEGES

THE WISDOM Contact Center 02-8888899

Priority service at KBank branches

THE WISDOM Service

Personal financial and investment consultation forpersonal wealth managementK-Consolidated StatementK-Econ Analysis: In-depth investment analysis and dataon economic shifts and trendsTHE WISDOM: Wealth & Lifestyle quarterly magazineTHE WISDOM monthly e-Newsletter Investment recommendations & updates via SMS alert

Annual health checkup at leading hospitals

Use of facilities at leading fitness centers

THE WISDOM Park and Wash

THE WISDOM Exclusive Experience

Personal concierge service 24 hours a day

Home assistance

Medical assistance

Roadside assistance

THE WISDOM Lounge at Suvarnabhumi Airport

Priority Pass Lounges at airports worldwide

Meet & Assist Service at Suvarnabhumi Airport

Access to Royal Silk Lounges at airports in other provinces

THE WISDOM Global Travel Accident Insurance Plan:

Personal accident coverage when you charge your airfare

to your KBank THE WISDOM card

C O N T E N T S

WORLDWIDE PRIVILEGES

Superior Travel Privileges 14

THE WISDOM Lounge at Suvarnabhumi Airport

Priority Pass Lounges at airports worldwide

Meet & Assist Service at Suvarnabhumi Airport

Access to Royal Silk Lounges at airports in other provinces

THE WISDOM Global Travel Accident Insurance Plan: Personalaccident coverage

when you charge your airfare to your KBank THE WISDOM card

Superior Lifestyle Privileges 16

Annual health checkup at leading hospitals

Use of facilities at leading fitness centers

THE WISDOM Park and Wash

The Superior THE WISDOM Experience

Personal concierge service 24 hours a day

Home assistance

Medical assistance

Roadside assistance

WORLD-CLASS FINANCIAL PRIVILEGES

KBank THE WISDOM Superior THE WISDOM Privileges 8

Privileged Access to Investment Consultants 8 Personal financial and investment consultation for personal wealth management K-Consolidated Statement K-Econ Analysis: In-depth investment analysis and data on economic shifts and trends THE WISDOM: Wealth & Lifestyle quarterly magazine THE WISDOM monthly e-Newsletter Investment recommendations & updates via SMS alert

THE WISDOM Financial Privileges 10

Fee exemptions and preferential rates for financial services

Privileged Access to Services from KBank 10 THE WISDOM Contact Center 02-8888899 Priority service at KBank branches THE WISDOM Service

THE WISDOM WealthManagement Advisory

08 T H E W I S D O M P R I V I L E G E B O O K 2 01 7

Superior privileges come with this KBank credit card, giving you access to preferred

products and services from KBank and our partners.

The embedded microchip not only provides protection against unauthorized

use of the card, but also records your transactions and benefits, ensuring that

you will never miss out on any of the privileges offered by our leading partners.

Welcome to the superior privileges

THE IDENTITY OF SMART SUCCESSKBank THE WISDOM Card

THE WISDOM Wealth ManagementAdvisory

Our team of wealth management consultants includes experienced relationshipmanagers and personal financial advisors certified by the Securities and ExchangeCommission (SEC). To ensure that your financial affairs are managed smoothly,our personal financial advisors work with you in a number of areas :

1. Wealth Management Planning2. Funding & Borrowing Planning3. Protection Planning

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:

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 09

- 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 Cards, K-Home Loans, personal loans and KLeasing car loans

To apply for K-Consolidated Statement, call THE WISDOM Contact Center at 0 2888 8899.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

K-Econ Analysis Membership by K-Research

K-Econ Analysis, available to THE WISDOM customers on the KResearch website, isa collection of reports on various aspects of the Thai economy, including macroeconomicand microeconomic analysis, financial market analysis, and analysis of the internationaleconomy focusing on important current issues, economic indicators and FOREX reviews

To apply, call THE WISDOM Contact Center at 0 2888 8899. Notes: Customers will be asked for some personal information that will be passed on toKASIKORN RESEARCH CENTER for purposes of giving access to K-Econ Analysis.

THE WISDOM : Wealth & LifestyleMagazine

A quarterly magazine exclusively for THE WISDOM community, available bothin print and iPad format, THE WISDOM: Wealth & Lifestyle gives 360-degreelifestyle coverage for THE WISDOM customers and every member of their families.The magazine also gives updates on THE WISDOM Exclusive Experience activitiesand on other superior privileges available to our valued customers, havingmaintained average deposits and/or investments with KBank of at least 10 million Bahtover the previous six months.

THE WISDOM e-Newsletter (NEW)

A monthly summary of economic and investment activity and trends together

with THE WISDOM privilege and service alerts via SMS and EDM.

Special Credit Line for Securit iesTrading

You get a five million Baht line of credit for opening a trading account withKSecurities when you show your KBank THE WISDOM Card.

For more information, contact KS Call Center at 02-6960011.

Investment Recommendation &Update SMS Alert

This special service helps you to monitor investment news and movements inthe securities arena, keeping you abreast everywhere and at all times via SMSalerts and enhancing your decision-making edge.

Notes:Only available to KBank THE WISDOM cardholders holding trading accounts with KASIKORNSECURITIES PCL.

Superior Financial Privileges

Privileged Access toServices from KBank

10 T H E W I S D O M P R I V I L E G E B O O K 2 01 7

- No charge for up to five THE WISDOM chequebooks a year**- 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 fee for account balance SMS alerts (Transaction Alert)***- 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*

Notes:- These privileges are strictly non-transferable. - These privileges terminate upon end of THE WISDOM customer status. * Present your KBank THE WISDOM card (primary or supplementary) to receive this privilege at KBank branches.** Present your KBank THE WISDOM card (primary) and THE WISDOM cheque voucher to exercise this privilege at a KBank branch. Customers with a newly approved card and/or a new current account may request a THE WISDOM cheque voucher from THE WISDOM Contact Center at 02-8888899. KBank will adjust chequebook design to THE WISDOM Chequebook within two months of application. This privilege is offered to individual customers only and is non-transferable.*** Fee automatically waived; effective within two months of application (primary or supple- mentary cardholder). In case the customer subscribed to the yearly package before becoming a THE WISDOM customer, the Bank reserves the right not to return the package fee. **** Present your KBank THE WISDOM Card (primary) to apply for K-Cheque Alert available only on current accounts at branches within the Bangkok Metropolitan clearing district.

SPECIAL FOREIGNEXCHANGE RATE

AUD,CAD,CHF,GBP,NZD,SGD,HKD และ CNY

JPY

0.03 0.03

0.10 0.10

0.0003 0.0003

FOREIGN CURRENCY BUYING (+) SELLING (-)

THE WISDOM

THE WISDOM Financial Privi lege

Fee exemptions and preferential rates for financial services

KBank THE WISDOM Cardholders enjoy fee exemptions and preferential service

rates for financial services:- The maximum discount on foreign exchange rates*

THE WISDOM Contact Center 02-8888899

The dedicated THE WISDOM Contact Center staff is on hand 24 hours a dayat 02-8888899 to give THE WISDOM customers exclusive access to financial

USD และ EUR

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 11

THE WISDOM Priority Service

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

information and transaction details, any time, day or night. The Center coordinatesTHE WISDOM privileges such as concierge services worldwide, facilitating youraffairs with hotel and flight reservations, gift and floral deliveries, roadsideassistance, and consultation on home renovations.

THE WISDOM ServiceTHE WISDOM Service provides convenient, pleasant access to financial and lifestyleservices at different formats of facilities – each with a locally inspired décor.

THE WISDOM CenterTHE WISDOM Centers provide financial services to THE WISDOM customersin luxurious, high-class settings. Conducting research and arranging privatemeetings is made easier and more convenient with the assistance of THE WISDOMRelationship Managers (RMs).

Facilities* Reception: Lounges or private reception rooms for your guests.* Meeting rooms: Exclusive meeting rooms in central business districts, equipped with all the necessary facilities, removing the hassle from important business negotiations.* Business centers: Equipped with high-tech facilities, these centers boast computers, printers, fax machines and Internet access.

Thanon Sathon Branch 02-6338013-6Thanon Lang Suan Branch 02-6571642-6Thanon Ratchada Phisek Huai Khwang Branch 02-6932460-9Phahon Yothin Main Branch 02-2731212Sam Yaek Pak Thong Chai Nakhon Ratchasima Branch 044-278608-11Thanon Talat Mai Surat Thani Branch 077-284093-5Sukhumvit 101 Branch* 02-7417661-5Bang Bon Branch* 02-8998330-7Sukhumvit 6 (Two Pacific Place Building) Branch* 02-2551861-5 Thanon Sukhumvit Chon Buri 1 Branch* 038-273862-6, 038-790145-8Thanon Chang Khlan Chiang Mai Branch* 053-281850-3Phuket Branch* 076-211558, 076-213903-4

Notes:- 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 under 120 centimeters tall 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.- Please verify availability before arrival. You may use the facility if it is not in use by another customer.- Use of meeting room is limited to two hours per occasion and four occasions each month. - Cardholder may register to use Center facilities such as computers and projectors; each such use is limited to two hours.* Safe deposit box service available

THE WISDOM CornerTHE WISDOM Corners are special areas welcoming KBank THE WISDOMCardholders and providing convenience and privacy for a new and uniquebanking experience at KBank branches. Safe deposit boxes are also available. THE WISDOM Corners are available during business hours at the followingKBank branches:

12 T H E W I S D O M P R I V I L E G E B O O K 2 01 7

Silom Main Branch 02-2325001Sukhumvit 33 (Bang Kapi) Branch 02-2610151-7Phat Phong Branch 02-6370041-8 Yaowarat Branch 02-6230016-9 Siam Square Branch 02-6581756-9 Thanon Sua Pa Main Branch 02-2213131-8Thanon Sathu Pradit Branch 02-6740164-71Wang Burapha Branch 02-6237033-5Sukhumvit 57 Branch 02-7141089-94Ekkamai Branch 02-7141081-8MaxValu Phatthanakan Branch 02-7178870Thanon Sukhumvit 55 (Soi Thong Lo 20) Branch02-1780904-8Lat Phrao 71 Branch 02-5303866-9Sukhumvit 6 (Two Pacific Place Building)Branch – within branch 02-2551861-5Rat Burana Main Branch 02-8713650-5 Thanon Na Muang Khon Kaen Branch 043-225131-3 Chum Phae Branch 043-312375 Thanon Si Rong Muang Chanthaburi Branch 039-325964-7Chachoengsao Branch 038-511025Thanon Vachiraprakan Chon Buri Branch 038-273850-5 Thanon Sukhumvit Pattaya Branch 038-416859-63Mae Sai Branch * 053-640786-90Thanon Tha Phae Chiang Mai Branch 053-270151-7Chang Phueak Chiang Mai Branch 053-412697-9Thanon Suthep Chiang Mai Branch 053-808541-6 Nakhon Pathom Branch 034-253822-9 Phuttha Monthon Sai 4 Branch 02-8131701-7Thanon Chomphon Nakhon Ratchasima Branch 044-268206-12Pak Chong Branch 044-280383-6 Talat Hua It Branch 075-345771-2Thanon Sawan Withi Nakhon Sawan Branch 056-311500-5Thanon Chaeng Watthana Branch * 02-9829760-5 Chaeng Watthana Muang Thong Thani Main Branch02-5628001-8 Thanon Rojana Ayutthaya Branch* 035-213870-2Ha Yaek Khok Matum Branch 055-245215-9Tilok Shopping Center Phuket Branch 076-232166-9Rayong Branch 038-611007 Ban Pong Branch* 032-344676-80 Ratchaburi Branch 032-314054-5, 032-315049-56 Thanon Phetkasem Hat Yai Branch 074-246922-3Thanon Theparak Km. 16 Branch 02-7506193-5 Thanon Setthakit 1 Samut Sakhon Branch* 034-816662-9 Phan Thai Norasing Samut Sakhon Branch 034-458503-7Surat Thani Branch 077-272200Udon Thani Branch 042-221615 Thanon Phromthep Ubon Ratchathani Branch 045-261280-2Thanon Chayangkun Ubon Ratchathani Branch 045-242801-3Siriraj Hospital Branch 02-4184124-5

*Safe deposit box service available.

THE WISDOM Center withSafe Deposit BoxTHE WISDOM Center with Safe Deposit Box provides international-standard high-securitydeposit box systems to THE WISDOM customers. Located in central business districtsfor your business and personal convenience, these Centers also include dressing rooms,reception areas and private meeting rooms.

Business hours: Monday to Friday, 9:00 a.m. – 8:00 p.m. Weekends and public holidays, 9:00 a.m. – 5:00 p.m.

Sukhumvit 6 (Two Pacific Place Building) Branch 02-2551861-5

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 13

Open during banking hours

Phahon Yothin Main Branch 02-2731048Bang Bon Branch 02-8998330-7Sukhumvit 101 Branch 02-7417661-5Thanon Chang Khlan Chiang Mai Branch 053-281850-1Thanon Sukhumvit Chon Buri Branch 038-273862Phuket Branch 076-211558, 076-212139

Conditions:- Privilege available to customers who maintain average deposits/investments of at least 10 million Baht with KBank in Thailand over the previous 12 months as of the date of application, or customers with deposits/investments of at least 10 million Baht with KBank as of the date of application (deposits /investments in the name of the natural person).- New customers may use the service if they hold a combined total of at least 10 million Baht in KBank products such as fixed-term deposits, KBank debentures, mutual funds, including LTF/RMF or other funds as determined by KBank with maturities of not less than six months.- Limited to one safe-deposit box per person.- Minimum age: 20 years.- Available to Thai nationals or foreign nationals with a residence in Thailand.

THE WISDOM LoungeTHE WISDOM Lounges provide exclusive rooms for THE WISDOM Cardholdersto relax in privacy and enjoy complementary drinks and snacks at hotels andleading shopping venues.

THE WISDOM Lounges are now available during business hours at:

Central Bang Na Branch * 02-3987240-2 Paradise Park Branch 02-7871922-5Paradise Park 2 Branch* 02-7460067-9Seacon Square 2 Branch* 02-3217432-6Central Bang Na 2 Branch 02-3895820-1, 02-3985824-6Fashion Island Ram Intra Branch 02-5194813-6Central Lat Phrao Branch 02-5411543-5The Mall Bang Kapi Branch 02-3744261-3Central Rama III Branch 02-6736338-9The Mall Bang Khae Branch 02-4549023-6Central Pin Klao Branch 02-4243595-6, 02-6736338-9The Mall Tha Phra Branch 02-4777743-7Central World Branch 02-2510231-5Central Plaza Grand Rama 9 Branch 02-1603813-7Thai Chamber of Commerce Sub-office 02-2256091-3Silom Complex Sub-office 02-6320084-8Chamchuri square branch 02-1605085-7Central Plaza Khon Kaen Branch 043-288060-4Robinson Chachoengsao Sub-office 038-564268-72Central Festival Pattaya Beach Branch 038-043260-4Central Plaza Chon Buri Branch * 038-053616-20Central Festival Chiang Mai Branch 053-807605-9Central Plaza Chiang Mai Airport 2 Branch 053-903607-9Central Plaza Salaya Branch 034-107707-11The Mall Nakhon Ratchasima Branch 044-288490-2Central Chaeng Watthana Branch 02-1938065-9, 02-5628001-8Central Plaza WestGate* 02-1942913-17Robinson Prachin Buri Sub-office 037-454764-68Central Festival Phuket Branch 076-249981-3Robinson Mukdahan Sub-office 042-672435-39Robinson Roi Et Branch 043-540904-8Central Plaza Rayong Branch* 038-656494,038-942660Robinson Ratchaburi Branch 032-310861-4, 02-1742758-61 Central Festival Hat Yai Branch 074-339700-5Robinson Samut Prakan Branch 02-1742758Porto Chino Mahachai Branch 034-110748-52Robinson Saraburi Branch 036-351452-6Central Festival Samui Branch 077-410468-70Central Plaza Surat Thani Branch 077-489829-33Central Plaza Udon Thani Branch 042-343906-10, 045-422284, 045-361488Central Plaza Ubon Ratchathani Branch 045-422284-8

*Safe deposit box service available

Superior Travel Privileges

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Notes:- 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 under 120 centimeters tall may accompany Cardholder with no exchange of points. - Cardholder may register to use Lounge facilities such as computers and projectors; each such use is limited to two hours.

Located in central Bangkok for the convenience of THE WISDOM customers,THE WISDOM Lounge provides a complete financial and lifestyle experience,from personal financial and investment advisory services to a mini-bar andan entertainment corner. It also features the WISDOM Center with Safe DepositBox equipped with world-class security systems.

THE WISDOM LOUNGE @ EMQUARTIEROpen daily 11:00 a.m. to 8:00 p.m. including public holidays. Tel. 02-0036683-7,02-0036684

THE WISDOM LOUNGE @ CENTRAL EMBASSYOpen daily 11:00 a.m. to 8:00 p.m. including public holidays. Tel. 02-1605600-4

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

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

Notes:- 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 under 120 centimeters tall 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.- Use of the facility is limited to two hours per occasion and four occasions each month.- Cardholder may register to use Lounge facilities such as computers and projectors; each such use is limited to two hours.

THE WISDOM Lounge @Suvarnabhumi Airport

Enjoy the exclusive services of THE WISDOM Lounge at Suvarnabhumi,

Concourse A, 3rd Floor, adding a whole new dimension to international travel

with food, drinks and other amenities in a superior ambience. Open daily,

24/7. Phone: 02-1341906.

Notes:- Show your KBank THE WISDOM Card (primary), international boarding pass and Priority Pass for access.- Cardholder may be accompanied by one guest.- Each additional accompanying guest will be admitted in exchange for 12,000 KBank THE WISDOM Card reward points or 15,000 points on other types of K-Credit Card, excluding the Bangkok Hospital Group-KBank Credit Card.- Accompanying children under four years of age will be admitted without point redemption.- Use of the facility is limited to two and a half hours per occasion. Fees set by the Bank for use beyond that time limit shall be charged to the Cardholder (12,000 points).

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 15

Global Airport Lounge Access(Priority Pass)Your Priority Pass gives you access to airport lounges for relaxation and convenienceat more than 700 leading airports worldwide. Services include complimentarysnacks and refreshments and business facilities such as telephone, fax and Internetprovided to important customers like you with no limit on service use.

See www.prioritypass.com for details.

Notes: - THE WISDOM primary cardholders only. Priority Pass valid for three years.- One Priority Pass admits THE WISDOM customer and one accompanying guest.- Additional accompanying guests are subject to VIP lounge service fees charged to the credit card.- Use of Louis Tavern (CIP Lounge) at Suvarnabhumi Airport and Coral lounge at Don Mueang Airport and Domestic Airport may be subject to VIP lounge service fees, charged to the credit card.

Meet and Assist ServiceTHE WISDOM customers enjoy the Meet and Assist Service at SuvarnabhumiAirport. Our well-trained staff assists with check-in and international entry/exit procedures, saving you valuable time.

Notes:- Available only to THE WISDOM primary cardholders- This service is available twice annually. The Bank reserves the right to limit users of this privilege to 200 customers a month.- This service is available only to Thai Airways International flights.- Customers wishing to utilize this service should make a reservation at THE WISDOM Contact Center 0 2888 8899, at least five business days before departure/arrival but not over sixties business day.- THE WISDOM customers may change appointment three business days in advance through THE WISDOM Contact Center.- This privilege is valid for parties of up to five passengers traveling together on the same flight and arriving at the meeting point at the same time.- Children over two years of age each count as one passenger- The customer must show relevant documents together with THE WISDOM Card at the meeting point.- One arrival or departure will be counted as one use of the service.- 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 conditions established by KBank).

Domestic Royal Si lk LoungeRelax in the Royal Silk Lounge at Chiang Mai, Khon Kaen, Phuket, Krabi,Surat Thani or Hat Yai when taking a domestic flight on Thai Airways Internationalor Thai Smile Airways

Notes:

- Available to THE WISDOM primary and supplementary cardholders twice annually (based on all types of K-Credit Card)- This service is available only for passengers of Thai Airways International and Thai Smile Airways- Show your KBank THE WISDOM Card and domestic boarding pass of Thai Airways International or Thai Smile Airways for access.- Each use of the lounge limited to 2 ½ hours. Cardholders will be charged fees set by Thai Airways International for overstaying the limit.- Privilege reserved for THE WISDOM Cardholders. Persons traveling with a Cardholder may gain access with fees set by Thai Airways International and charged to the Cardholder.- Children over two years of age each count as one passenger- The Bank reserves the right to collect charges in cash for use of services beyond stated privileges.- 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 conditions established by KBank).

Travel AssistanceInformation services while traveling abroad, including, for example, informationon embassies, assistance with lost luggage or passport, news updates andtranslation services.

Notes: For information on services, conditions and exemptions, contact THE WISDOM CONTACTCENTER, available 24 hours a day at 0 2888 8899.

Superior Lifestyle Privileges

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THE WISDOM Global Travel AccidentInsurance PlanAs a THE WISDOM Cardholder you are covered by personal accident insuranceat no extra expense whenever you travel. Simply charge your airfare to yourTHE WISDOM Card and you are automatically covered by THE WISDOM GlobalTravel Accident Insurance Plan for up to 20 million Baht.

Global Customer Assistance ServicesIf you lose your card while traveling abroad, the VSCC (VISA Signature CustomerCenter) is available 24 hours a day to cancel the lost card and issue an emergencyreplacement and cash advance.

Service numbers for Global Customer Assistance Services (Toll-Free)

Hong Kong 800 900 782Macau 0800 454 China 10800 7440027 (north) 10800 4400027 (south)Taiwan 0080 1444 123Japan 00531 440 022South Korea 00308 440 050Malaysia 1800 80 2997Singapore 800 448 1250The Philippines 1800 1441 0015Indonesia 001 803 441 600India 000 117, followed by 866 765 9644New Zealand 0508 600 300Australia 1800 450 346UK 0800 169 5189 USA 1866 765 9644

From other countries, call +1 303 967 1090 (collect call).

THE WISDOM HealthCheck UpHelping you stay healthy, KBank is pleased to provide you an annual healthcheckup:

- Physical examination - Complete blood count (CBC)- Fasting blood sugar (FBS)- Liver function test (SGPT, SGOT)- Kidney function test (creatinine) - Blood lipids count (cholesterol, triglyceride. LDL and HDL)- Complete urinalysis - Chest X-Ray

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 17

Participating Hospitals

Bangkok Hospital Group: Bangkok (Soi Soonvijai), Phrapradaeng, Pattaya, Rayong,Chanthaburi, Trat, Hat Yai, Phuket, Samui, Nakhon Ratchasima, Udon Thani, Hua HinChiang Mai, Khon Kaen and Sanamchan (Nakhon Pathom)

Samitivej Hospital Group : Sukhumvit, Srinakarin and Sriracha

Phyathai Hospital Group: Phyathai Hospital 1, Phyathai Hospital 2, PhyathaiHospital 3 and Phyathai Hospital Sriracha

Ekachai Hospital, Samut SakhonMuang Raj Hospital, RatchaburiNakharin Hospital, Nakhon Si ThammaratRajthanee Hospital, Phra Nakhon Si AyutthayaSrisawan Hospital, Nakhon SawanPitsanuvej Hosptial, PhitsanulokKasemrad Sriburin Hospital, Chiang RaiUbonrak Thonburi Hospital, Ubon Ratchathani

THE WISDOM Cardholders may also apply for membership in the ChivawattanaHealth Program from the Bangkok Hospital Group, Samitivej Hospital Group andPhyathai Hospital Group.

Notes:- Available only to THE WISDOM primary cardholders.- This service is available once annually.- This privilege is not transferable or exchangeable.- The Bank reserves the right to limit the number of customers using this service in a month.- Please make Health Checkup appointments through THE WISDOM Contact Center, 0 2888 8899.- Appointments can be changed three days in advance, only through THE WISDOM Contact Center.- Please present your THE WISDOM Card together with THE WISDOM confirmation slip at hospital counter when arriving for a check-up.- 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 conditions established by KBank).

Special Offers from Leading Hospitals

Special Offers from Bangkok Hospital Group

Bangkok Hospital (Soi Soonvijai)20% off room prices (excluding hospital service charges, nursing services and meals)10% off cost of medication (excluding physician fees, special medications, special equipment and packages) 10% off costs of five dental procedures: fillings, extractions, gum disease treatment, root canal treatmentand pediatric dentistry

Bangkok Hospital China Town20% off cost of room (excludes hospital services charges, nursing services and meals)10% off cost of medication (excludes physician fees, special medications, special equipment and packages)20% off cost of ambulance service

Bangkok Hospital Pattaya10% off room prices (excluding ICU, CCU and NICU)10% off cost of medication (excluding vaccinations and special medications)15% off price of scaling5% off prices for general dentistry, pediatric dentistrySpecial! Health Checkup Program (12 items), only 2,600 Baht

Bangkok Hospital Chanthaburi10% off room prices (excluding ICU, CCU and IMCU)10% off cost of medication (excluding special medication and vaccinations)

Bangkok Hospital Trat20% off room prices (excluding ICU)10% off cost of medication (excluding special medications)Up to three months interest-free installment payment on amount of at least 5,000 Baht (in-patients only)

Bangkok Hospital PhitsanulokKBank Cycle of Care 2017 Program: 2,560 BahtUp to six months interest-free installment payment on amount of at least 10,000 Baht

Bangkok Hospital Udon10% off in-patient room prices (excluding physician fees, nursing services and meals)10% off cost of medication and medical supplies (OPD, IPD) (excluding special medications, specialmedical supplies and vaccinations)

18 T H E W I S D O M P R I V I L E G E B O O K 2 01 7

Bangkok Hospital Khon Kaen10% off patient room prices10% off cost of medication (OPD and IPD)Health Check Program: 2,560 BahtInfluenza vaccination against four types of flu: 850 Baht (normal price: 1,400 Baht) includingphysician fees and service charges

Bangkok Hospital Hat Yai10% off patient room prices10% off cost of medication (excluding physician fees, special medications and vaccinations)Cycle of Care 2017 Program: 2,500 Baht (normal price: 4,500 Baht)

Special Offers from Phyathai Hospital Group

- VIP service: personal assistant in attendance throughout the use of the service** - Emergency ambulance 24/7 free of charge***- Priority service for special guests*- Use of Phyathai VIP Lounge free of charge**** (Please make reservations by calling at least one business day in advance.) - Parking spaces especially for KBank THE WISDOM Cardholders*****

Notes:- Present your KBank THE WISDOM card (primary or supplementary) to receive these privileges.* Please contact Phyathai Call Center at 1772 press 8 for more details and to make reservations one business day in advance.** Subject to staff availability at the time of using the service. Please make reservations at least one business day in advance.*** Limited to one use per year; in-patients only (excluding physician fees). **** Cardholder may be accompanied by one guest. Service is available only at hospitals with a VIP Lounge: Phyathai 2, Phyathai 3 and Phyathai Nawamin Hospitals. Use of lounge is subject to availability.***** There are a limited number of THE WISDOM parking spaces at all Phyathai Hospitals.

Phyathai Hospital Group Package

50% off price of 40-Plus Check Up Male & Female Special price: 12,500 Baht (normal price: 25,000 Baht) Available at any Phyathai Hospital

Phyathai Hospital 1Gene Insight + Nutri Fit Gene Insight: physical checkup down to the cellular levelSpecial price: 45,900 Baht (normal price: 54,000 Baht)

Phyathai Hospital 2Personalized Medicine Program (PMP)Special price for men: 23,900 Baht (normal price: 42,170 Baht)Special price for women: 30,000 Baht (normal price: 59,560 Baht)20% off room price and 15% off cost of medicationSpecial extra! A 200 Baht Starbucks Card!

Phyathai Hospital 3PWA Life Center ProgramSpecial price for men: 24,000 Baht (normal price: 30,600 Baht)Special price for women: 27,000 Baht (normal price: 34,200 Baht)

Phyathai Hospital Nawamin50% off THE WISDOM Health Checkup Special price for men: 10,972 Baht (normal price: 21,945 Baht)Special price for women: 12,647 Baht (normal price: 25,295 Baht)

Phyathai Hospital Sriracha50% off normal price for all health checkup programs20% off in-patient room prices (excluding physician fees and hospital services)20% off ambulance prices10% off prices for in-patient and outpatient medication (excluding physician fees and hospital services)5% off normal price for Thermage, BOTOX, filler injection and aesthetic laser

Health Care for Women Program (22 items): 2,560 Baht (normal price 4,960 Baht)Health Care for Men Program (22 items): 2,560 Baht (normal price: 5,060 Baht)Pay by installment interest-free for up to 10 months on amount of not less than 3,000 Baht

Special Offers from BNH Hospital

10% off patient room prices5% off cost of medication

Special Offers from Samitivej Hospital Group

Samitivej Sukhumvit, Samitivej Srinakarin, Samitivej Thonburi, Samitivej Sriracha and SamitivejChonburi Hospitals

Remarks- Payment by KBank THE WISDOM Card only - Discounts may vary by hospital and apply only at participating hospitals.- Promotions subject to change without prior notice.- To learn more about discounts and conditions, please call THE WISDOM Contact Center at 02-8888899.

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 19

Privileges at Leading Fitness Centers

The following centers offer fitness service privileges to THE WISDOM Cardholders.

Plaza Athenee Bangkok,A Royal Meridien Hotel-Spa Athenee

02-7620330

Bangkok and metropolitan area

Squash room excepted.6:00 a.m. – 5:00 p.m. Monday-Friday

-Facilities reserved for hotel pool party noon onwards thefinal Saturday of each month.6:00 a.m. – 5:00 p.m. Monday-Friday.

Reservations not accepted by phone.6:00 a.m.-5:00 p.m. and 8.00 p.m.-10.00 p.m. Monday-Friday8.00 a.m.-9.00 p.m. Sunday-Saturday 8.00 a.m.-8.00 p.m Public holidays

Reservations not accepted by phone. 6:00 a.m.-5:00 p.m. and 8.00 p.m.-10.00 pm Monday-Friday8.00 a.m.-10.00 p.m. Sunday-Saturday and public holidays

Reservations not accepted by phone.6:00 a.m.-5:00 p.m. and 8.00 p.m.-10.00 pm Monday-Friday8.00 a.m.-9.00 p.m. Sunday-Saturday 8.00 a.m.-8.00 p.m Public holidays

Reservations not accepted by phone.9:00 a.m.-5:00 p.m. Monday-Friday12.00 a.m.-8.00 p.m. Sunday-Saturday and public holidays

Reservations not accepted by phone.9:00 a.m.-6:00 p.m. and 9.00 p.m.- 12.00 pm. Monday-Friday6.00 a.m.-12.00 p.m. Sunday-Saturday

Reservations not accepted by phone.6:00 a.m.-11:00 p.m. Monday-Friday 6.00 a.m.-10.00 p.m. Sunday-Saturday and public holidays

Please make reservations by phone one day in advance.10:00 a.m.-6:00 p.m. Monday-Sunday

6:00 a.m. – 5:00 p.m. Monday-Friday

Sofitel So Bangkok

Virgin Active Empire Tower

Virgin Active The Emquartier (New)

Virgin Active Central Westgate (New)

Atrium Athletic Club at Tipco (New)

Centara Grand at Central World (New)

Centara Grand at Central Plaza Ladprao (New)

Pacific City Club (New)

Bludeck Bang Na

02-6508800

02-6240000

02-7709772

02-7709797

02-0179703

02-2714200

02-1006299

02-5411234

02-6532450

Name Telephone Conditions

Name Telephone Conditions

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:00 a.m. – 5:00 p.m. Monday-Friday

6:15 a.m. – 5:00 p.m. Monday-Friday

7:00 a.m. – 5:00 p.m. Monday-Friday

043-288433

044-393591,044-393600

038-053888

038-614340-9

042-343555

043-322155

053-999333 # Fitness Center

077-273133,077-273533

074-357584-7

076-354027

CCP Health Club (Napalai Place) Songkhla

Other provinces

Fitness First, Central Khon Kaen

Fitness First, The Mall Nakhon Ratchasima

Fitness First, Central Chon Buri

Classic Kameo Rayong

Centara Udon Thani

Pullman Khon Kaen

RatiLanna Riverside Spa Resort, Chiang Mai

Aleeza Fitness Club, Surat Thani

Club Asia Phuket

9:30 a.m. – 9:30 p.m. Monday-Friday077-630428,077-511828

Ban Tarn Fitness Club, Chumporn

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Notes:- Available only to THE WISDOM primary cardholders.- Privilege is non-transferable and cannot be exchanged.- Use of individual fitness center services is limited to once a day per card within specified timeframe. The fitness center may collect service charges from users who violate this condition; KBank shall not be responsible for any expenses thus incurred.- 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. - Maximum number of users set by fitness center; please verify service availability before arriving at the center.- The Bank shall not be responsible for any expenses incurred from use of the service outside periods stipulated by the Bank.- Privilege limited to users who comply with fitness center regulations, including verification of service availability before arriving at the center. In case of non-compliance, KBank reserves the right to cancel rights to the service.- KBank and fitness centers reserve the right to alter terms and conditions without prior notice.- 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).

THE WISDOM Park and WashTHE WISDOM Cardholders maintaining six-month average deposits and/orinvestments of 10 million Baht or more earn THE WISDOM Parking Stickerfor free reserved parking and carwash services at leading shopping venues andcarwash centers:

For Bangkok and metropolitan area

Please make your reservation one week in advance through THE WISDOM Contact Center 0 2888 8899,after 8:00 am. Monday. Privilege may be lost in case a reservation is cancelled less than three business daysin advance.

Bangkok and metropolitan area

Other provinces

Name TelephoneProvince

excepting weekends and public holidays

Meguiar’s Gold Class, Central Embassy

Auto Spa at Siam Paragon 10 cars a day

10 cars a day

Meguiar's Pattaya-Na Kluea Chon Buri 038-415173

Meguiar's Songkhla – Hat Yai Songkhla 074-261999

Brilliant Star Udon Thani 096-2963565

Tipmontree Ceramic Surat Thani 077-962456, 095-4264191

BN Car Care Nakhon Pathom 081-8330125

C-Guard Nakhon Sawan 089-7036022

Poli Chem Big C, Chachoengsao(2) Chachoengsao 038-511051, 085-8344222

Car Lack 68 Phuket 076-219544, 081-5355820

One Kay Samut Sakhon 034-827194

Sathit Car Care Nakhon Ratchasima 044-253232

Pro-Clean Ayutthaya 035-346288

Racha Car Care Nakhon Si Thammarat 084-1857777, 088-2665879

Neno Car Wash Ratchaburi 032-200020, 081-3710568

Car Bella Chiang Mai 053-894999, 053-894456

Pro Wash Chiang Rai 087-3007212, 088-2518687

CG Car Spa Phitsanulok 055-212213, 084-2311194

Speed Master Khon Kaen 043-234466, 083-8787666, 086-6422469

Pro-Clean Rayong 038-942683

Name Conditions Notes

T H E W I S D O M P R I V I L E G E B O O K 2 01 7 21

For other provincesPlease make your reservation one day in advance; maximum five cars a day.

Notes:- Available only to THE WISDOM primary cardholders.- Available once a month- The Bank reserves the right to limit per occasion expenses. Cardholders shall pay charges in excess of such limits in cash. - 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).

THE WISDOM Global Concierge ServicePersonal information and reservation services for THE WISDOM Cardholders whetherin Thailand or abroad available at THE WISDOM Contact Center 02-8888899.

- Information on privileges and special discounts available to THE WISDOM Cardholders from lifestyle service providers such as hotels, restaurants and spas. - Assistance and reservation services for accommodations, hotels and car rentals- Golf course information and reservations- Assistance in making restaurant reservations- Entertainment information and reservations, for example for concerts and shows - Gift and floral delivery- Information on tourist attractions throughout the world

Home AssistanceThe service provides emergency home assistance to THE WISDOM customers,for example, dispatching locksmiths, plumbers, electricians and air-conditioningtechnicians to your home.

Medical AssistanceAdvice and coordination for accessing medical assistance, home or abroad,24 hours daily. Includes medical advice by phone and information on hospitalsand emergency patient transportation.

Roadside AssistanceOur concern for the welfare of THE WISDOM customers includes provisionof emergency roadside assistance* and advice along with coordination of othertypes of assistance.

*Towing, jump-starting in case of flat battery and changing flat tires. KBankcovers costs up to 1,500 Baht per occasion; the service may be used twice annually.

Notes:- 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, any time 24 hours daily.

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THE WISDOM Exclusive ExperienceExclusive activities are offered to THE WISDOM Cardholders maintaining averagedeposits and/or investments with us of 10 million Baht or more over a six-monthperiod. These activities range from enhancing your understanding of the economyand investment to fulfilling your lifestyle goals. These activities also provideexcellent opportunities for socializing and networking with successful peoplein many fields.

Terms and privileges specified by KBankKBank reserves the right to alter terms and

privileges without prior notice.

Learn more about terms and privileges fromTHE WISDOM: Wealth & Lifestyle Magazine.You may also inquire through THE WISDOMContact Center, 0 2888 8899.