THE SYMBOL of SMART SUCCESS

Transcription

1 P R I V I L E G E B O O K

2 THE SYMBOL of SMART SUCCESS

3 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 , 24 hours daily.

4 KBank THE WISDOM Superior THE WISDOM Privileges

5 WORLD-CLASS FINANCIAL PRIVILEGES Privileged Access to Investment Consultants 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 Fee exemptions and preferential rates for financial services Privileged Access to Services from KBank THE WISDOM Contact Center Priority service at KBank branches THE WISDOM Service WORLDWIDE PRIVILEGES Superior Travel Privileges 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 Superior Lifestyle Privileges 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

6 C O N T E N T S

7 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 Priority service at KBank branches THE WISDOM Service 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

8 Welcome to the superior privileges THE IDENTITY OF SMART SUCCESS KBank THE WISDOM Card 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. THE WISDOM Wealth Management Advisory THE WISDOM Wealth Management Advisory Our team of wealth management consultants includes experienced relationship managers and personal financial advisors certified by the Securities and Exchange Commission (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 Planning 2. Funding & Borrowing Planning 3. 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: 08

9 - 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 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, 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 and FOREX reviews To apply, call THE WISDOM Contact Center at Customers will be asked for some personal information that will be passed on to KASIKORN RESEARCH CENTER for purposes of giving access to K-Econ Analysis. THE WISDOM : Wealth & Lifestyle Magazine A quarterly magazine exclusively for THE WISDOM community, available both in print and ipad format, THE WISDOM: Wealth & Lifestyle gives 360-degree lifestyle coverage for THE WISDOM customers and every member of their families. The magazine also gives updates on THE WISDOM Exclusive Experience activities and on other superior privileges available to our valued customers, having maintained average deposits and/or investments with KBank of at least 10 million Baht over 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 Securities Trading You get a five million Baht line of credit for opening a trading account with KSecurities when you show your KBank THE WISDOM Card. For more information, contact KS Call Center at 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. Only available to KBank THE WISDOM cardholders holding trading accounts with KASIKORN SECURITIES PCL. 09

10 Superior Financial Privileges THE WISDOM Financial Privilege 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* SPECIAL FOREIGN EXCHANGE RATE THE WISDOM FOREIGN CURRENCY BUYING (+) SELLING (-) USD และ EUR AUD,CAD,CHF,GBP,NZD, SGD,HKD และ CNY JPY 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* - 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 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 supplementary 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. Privileged Access to Services from KBank THE WISDOM Contact Center The dedicated THE WISDOM Contact Center staff is on hand 24 hours a day at to give THE WISDOM customers exclusive access to financial 10

11 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 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 Service THE WISDOM Service provides convenient, pleasant access to financial and lifestyle services at different formats of facilities each with a locally inspired décor. THE WISDOM Center THE WISDOM Centers provide financial services to THE WISDOM customers in luxurious, high-class settings. Conducting research and arranging private meetings is made easier and more convenient with the assistance of THE WISDOM Relationship 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 Thanon Lang Suan Branch Thanon Ratchada Phisek Huai Khwang Branch Phahon Yothin Main Branch Sam Yaek Pak Thong Chai Nakhon Ratchasima Branch Thanon Talat Mai Surat Thani Branch Sukhumvit 101 Branch* Bang Bon Branch* Sukhumvit 6 (Two Pacific Place Building) Branch* Thanon Sukhumvit Chon Buri 1 Branch* , Thanon Chang Khlan Chiang Mai Branch* Phuket Branch* , 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 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. Safe deposit boxes are also available. THE WISDOM Corners are available during business hours at the following KBank branches: 11

12 Silom Main Branch Sukhumvit 33 (Bang Kapi) Branch Phat Phong Branch Yaowarat Branch Siam Square Branch Thanon Sua Pa Main Branch Thanon Sathu Pradit Branch Wang Burapha Branch Sukhumvit 57 Branch Ekkamai Branch MaxValu Phatthanakan Branch Thanon Sukhumvit 55 (Soi Thong Lo 20) Branch Lat Phrao 71 Branch Sukhumvit 6 (Two Pacific Place Building) Branch within branch Rat Burana Main Branch Thanon Na Muang Khon Kaen Branch Chum Phae Branch Thanon Si Rong Muang Chanthaburi Branch Chachoengsao Branch Thanon Vachiraprakan Chon Buri Branch Thanon Sukhumvit Pattaya Branch Mae Sai Branch * Thanon Tha Phae Chiang Mai Branch Chang Phueak Chiang Mai Branch Thanon Suthep Chiang Mai Branch Nakhon Pathom Branch Phuttha Monthon Sai 4 Branch Thanon Chomphon Nakhon Ratchasima Branch Pak Chong Branch Talat Hua It Branch Thanon Sawan Withi Nakhon Sawan Branch Thanon Chaeng Watthana Branch * Chaeng Watthana Muang Thong Thani Main Branch Thanon Rojana Ayutthaya Branch* Ha Yaek Khok Matum Branch Tilok Shopping Center Phuket Branch Rayong Branch Ban Pong Branch* Ratchaburi Branch , Thanon Phetkasem Hat Yai Branch Thanon Theparak Km. 16 Branch Thanon Setthakit 1 Samut Sakhon Branch* Phan Thai Norasing Samut Sakhon Branch Surat Thani Branch Udon Thani Branch Thanon Phromthep Ubon Ratchathani Branch Thanon Chayangkun Ubon Ratchathani Branch Siriraj Hospital Branch *Safe deposit box service available. THE WISDOM Center with Safe Deposit Box THE WISDOM Center with Safe Deposit Box provides 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. 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

13 Open during banking hours Phahon Yothin Main Branch Bang Bon Branch Sukhumvit 101 Branch Thanon Chang Khlan Chiang Mai Branch Thanon Sukhumvit Chon Buri Branch Phuket Branch , 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 Lounge THE WISDOM Lounges provide exclusive rooms for THE WISDOM Cardholders to relax in privacy and enjoy complementary drinks and snacks at hotels and leading shopping venues. THE WISDOM Lounges are now available during business hours at: Central Bang Na Branch * Paradise Park Branch Paradise Park 2 Branch* Seacon Square 2 Branch* Central Bang Na 2 Branch , Fashion Island Ram Intra Branch Central Lat Phrao Branch The Mall Bang Kapi Branch Central Rama III Branch The Mall Bang Khae Branch Central Pin Klao Branch , The Mall Tha Phra Branch Central World Branch Central Plaza Grand Rama 9 Branch Thai Chamber of Commerce Sub-office Silom Complex Sub-office Chamchuri square branch Central Plaza Khon Kaen Branch Robinson Chachoengsao Sub-office Central Festival Pattaya Beach Branch Central Plaza Chon Buri Branch * Central Festival Chiang Mai Branch Central Plaza Chiang Mai Airport 2 Branch Central Plaza Salaya Branch The Mall Nakhon Ratchasima Branch Central Chaeng Watthana Branch , Central Plaza WestGate* Robinson Prachin Buri Sub-office Central Festival Phuket Branch Robinson Mukdahan Sub-office Robinson Roi Et Branch Central Plaza Rayong Branch* , Robinson Ratchaburi Branch , Central Festival Hat Yai Branch Robinson Samut Prakan Branch Porto Chino Mahachai Branch Robinson Saraburi Branch Central Festival Samui Branch Central Plaza Surat Thani Branch Central Plaza Udon Thani Branch , , Central Plaza Ubon Ratchathani Branch *Safe deposit box service available 13

14 - 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 and an entertainment corner. It also features the WISDOM Center with Safe Deposit Box equipped with world-class security systems. THE WISDOM EMQUARTIER Open daily 11:00 a.m. to 8:00 p.m. including public holidays. Tel , THE WISDOM CENTRAL EMBASSY Open daily 11:00 a.m. to 8:00 p.m. including public holidays. Tel THE WISDOM SIAM PARAGON* Open daily from 11:00 a.m. to 8:00 p.m. including public holidays. Tel * THE WISDOM Exclusive Trade Center available THE WISDOM SOFITEL SO BANGKOK Open daily from 9:00 a.m. to 8:00 p.m. including public holidays. Tel 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. Superior Travel Privileges THE WISDOM 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: 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). 14

15 Global Airport Lounge Access (Priority Pass) Your Priority Pass gives you access to airport lounges for relaxation and convenience at more than 700 leading airports worldwide. Services include complimentary snacks and refreshments and business facilities such as telephone, fax and Internet provided to important customers like you with no limit on service use. See for details. - 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 Service THE WISDOM customers enjoy the Meet and Assist Service at Suvarnabhumi Airport. Our well-trained staff assists with check-in and international entry/ exit procedures, saving you valuable time. - 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 , 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 Silk Lounge Relax 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 International or Thai Smile Airways - 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 Assistance Information services while traveling abroad, including, for example, information on embassies, assistance with lost luggage or passport, news updates and translation services. For information on services, conditions and exemptions, contact THE WISDOM CONTACT CENTER, available 24 hours a day at

16 THE WISDOM Global Travel Accident Insurance Plan As a THE WISDOM Cardholder you are covered by personal accident insurance at no extra expense 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. 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 Macau China (north) (south) Taiwan Japan South Korea Malaysia Singapore The Philippines Indonesia India , followed by New Zealand Australia UK USA From other countries, call (collect call). Superior Lifestyle Privileges THE WISDOM Health Check Up Helping you stay healthy, KBank is pleased to provide you an annual health checkup: - 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 16

17 Participating Hospitals Bangkok Hospital Group: Bangkok (Soi Soonvijai), Phrapradaeng, Pattaya, Rayong, Chanthaburi, Trat, Hat Yai, Phuket, Samui, Nakhon Ratchasima, Udon Thani, Hua Hin Chiang Mai, Khon Kaen and Sanamchan (Nakhon Pathom) Samitivej Hospital Group : Sukhumvit, Srinakarin and Sriracha Phyathai Hospital Group: Phyathai Hospital 1, Phyathai Hospital 2, Phyathai Hospital 3 and Phyathai Hospital Sriracha Ekachai Hospital, Samut Sakhon Muang Raj Hospital, Ratchaburi Nakharin Hospital, Nakhon Si Thammarat Rajthanee Hospital, Phra Nakhon Si Ayutthaya Srisawan Hospital, Nakhon Sawan Pitsanuvej Hosptial, Phitsanulok Kasemrad Sriburin Hospital, Chiang Rai Ubonrak Thonburi Hospital, Ubon Ratchathani THE WISDOM Cardholders may also apply for membership in the Chivawattana Health Program from the Bangkok Hospital Group, Samitivej Hospital Group and Phyathai Hospital Group. - 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, 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 treatment and pediatric dentistry Bangkok Hospital China Town 20% 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 Pattaya 10% off room prices (excluding ICU, CCU and NICU) 10% off cost of medication (excluding vaccinations and special medications) 15% off price of scaling 5% off prices for general dentistry, pediatric dentistry Special! Health Checkup Program (12 items), only 2,600 Baht Bangkok Hospital Chanthaburi 10% off room prices (excluding ICU, CCU and IMCU) 10% off cost of medication (excluding special medication and vaccinations) Bangkok Hospital Trat 20% 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 Phitsanulok KBank Cycle of Care 2017 Program: 2,560 Baht Up to six months interest-free installment payment on amount of at least 10,000 Baht Bangkok Hospital Udon 10% 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, special medical supplies and vaccinations) 17

18 Bangkok Hospital Khon Kaen 10% off patient room prices 10% off cost of medication (OPD and IPD) Health Check Program: 2,560 Baht Influenza vaccination against four types of flu: 850 Baht (normal price: 1,400 Baht) including physician fees and service charges Bangkok Hospital Hat Yai 10% off patient room prices 10% 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***** - 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 1 Gene Insight + Nutri Fit Gene Insight: physical checkup down to the cellular level Special price: 45,900 Baht (normal price: 54,000 Baht) Phyathai Hospital 2 Personalized 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 medication Special extra! A 200 Baht Starbucks Card! Phyathai Hospital 3 PWA Life Center Program Special 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 Nawamin 50% 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 Sriracha 50% off normal price for all health checkup programs 20% off in-patient room prices (excluding physician fees and hospital services) 20% off ambulance prices 10% 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 prices 5% off cost of medication Special Offers from Samitivej Hospital Group Samitivej Sukhumvit, Samitivej Srinakarin, Samitivej Thonburi, Samitivej Sriracha and Samitivej Chonburi 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

19 Privileges at Leading Fitness Centers The following centers offer fitness service privileges to THE WISDOM Cardholders. Bangkok and metropolitan area Name Telephone Conditions Plaza Athenee Bangkok, A Royal Meridien Hotel-Spa Athenee Sofitel So Bangkok Squash room excepted. 6:00 a.m. 5:00 p.m. Monday-Friday -Facilities reserved for hotel pool party noon onwards the final Saturday of each month. 6:00 a.m. 5:00 p.m. Monday-Friday. Virgin Active Empire Tower Reservations not accepted by phone. 6:00 a.m.-5:00 p.m. and 8.00 p.m p.m. Monday-Friday 8.00 a.m p.m. Sunday-Saturday 8.00 a.m p.m Public holidays Virgin Active The Emquartier (New) Reservations not accepted by phone. 6:00 a.m.-5:00 p.m. and 8.00 p.m pm Monday-Friday 8.00 a.m p.m. Sunday-Saturday and public holidays Virgin Active Central Westgate (New) Reservations not accepted by phone. 6:00 a.m.-5:00 p.m. and 8.00 p.m pm Monday-Friday 8.00 a.m p.m. Sunday-Saturday 8.00 a.m p.m Public holidays Atrium Athletic Club at Tipco (New) Reservations not accepted by phone. 9:00 a.m.-5:00 p.m. Monday-Friday a.m p.m. Sunday-Saturday and public holidays Centara Grand at Central World (New) Centara Grand at Central Plaza Ladprao (New) Pacific City Club (New) Bludeck Bang Na Reservations not accepted by phone. 9:00 a.m.-6:00 p.m. and 9.00 p.m pm. Monday-Friday 6.00 a.m p.m. Sunday-Saturday Reservations not accepted by phone. 6:00 a.m.-11:00 p.m. Monday-Friday 6.00 a.m 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 Other provinces Name Telephone Conditions Fitness First, Central Khon Kaen :00 a.m. 5:00 p.m. Monday-Friday Fitness First, The Mall Nakhon Ratchasima , 6:00 a.m. 5:00 p.m. Monday-Friday Fitness First, Central Chon Buri :00 a.m. 5:00 p.m. Monday-Friday Classic Kameo Rayong Centara Udon Thani Pullman Khon Kaen RatiLanna Riverside Spa Resort, Chiang Mai Aleeza Fitness Club, Surat Thani CCP Health Club (Napalai Place) Songkhla Club Asia Phuket Ban Tarn Fitness Club, Chumporn # Fitness Center , , :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 7:00 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 9:30 a.m. 9:30 p.m. Monday-Friday 19

20 - 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 Wash THE WISDOM Cardholders maintaining six-month average deposits and/or investments of 10 million Baht or more earn THE WISDOM Parking Sticker for free reserved parking and carwash services at leading shopping venues and carwash centers: Bangkok and metropolitan area Name Conditions Notes Auto Spa at Siam Paragon Meguiar s Gold Class, Central Embassy 10 cars a day 10 cars a day excepting weekends and public holidays For Bangkok and metropolitan area Please make your reservation one week in advance through THE WISDOM Contact Center , after 8:00 am. Monday. Privilege may be lost in case a reservation is cancelled less than three business days in advance. Other provinces Name Province Telephone Meguiar's Pattaya-Na Kluea Chon Buri Meguiar's Songkhla Hat Yai Songkhla Brilliant Star Udon Thani Tipmontree Ceramic Surat Thani , BN Car Care Nakhon Pathom C-Guard Nakhon Sawan Poli Chem Big C, Chachoengsao(2) Chachoengsao , Car Lack 68 Phuket , One Kay Samut Sakhon Sathit Car Care Nakhon Ratchasima Pro-Clean Ayutthaya Racha Car Care Nakhon Si Thammarat , Neno Car Wash Ratchaburi , Car Bella Chiang Mai , Pro Wash Chiang Rai , CG Car Spa Phitsanulok , Speed Master Khon Kaen , , Pro-Clean Rayong

21 For other provinces Please make your reservation one day in advance; maximum five cars a day. - 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 Service Personal information and reservation services for THE WISDOM Cardholders whether in Thailand or abroad available at THE WISDOM Contact Center 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 Assistance The service provides emergency home assistance to THE WISDOM customers, for example, dispatching locksmiths, plumbers, electricians and air-conditioning technicians to your home. Medical Assistance Advice and coordination for accessing medical assistance, home or abroad, 24 hours daily. Includes medical advice by phone and information on hospitals and emergency patient transportation. Roadside Assistance Our concern for the welfare of THE WISDOM customers includes provision of emergency roadside assistance* and advice along with coordination of other types of assistance. *Towing, jump-starting in case of flat battery and changing flat tires. KBank covers costs up to 1,500 Baht per occasion; the service may be used twice annually. - 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, , any time 24 hours daily. 21

22 THE WISDOM Exclusive Experience Exclusive activities are offered to THE WISDOM Cardholders maintaining average deposits and/or investments with us of 10 million Baht or more over a six-month period. These activities range from enhancing your understanding of the economy and investment to fulfilling your lifestyle goals. These activities also provide excellent opportunities for socializing and networking with successful people in many fields. 22

23 Learn more about terms and privileges from THE WISDOM: Wealth & Lifestyle Magazine. You may also inquire through THE WISDOM Contact Center, Terms and privileges specified by KBank KBank reserves the right to alter terms and privileges without prior notice.

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