KRUNGSRI PRIVATE BANKING

YOUR DEDICATED PRIVILEGES

สแกนสำหรับภาษาไทย

LIVE YOUR LEGACY Welcome to KRUNGSRI PRIVATE BANKING With finance and investment expertise that suits your needs Enjoy curated lifestyle privileges That offer happiness and quality of life While building a thriving legacy for the next generation.

Contents 5 5 Wealth Management Services 9 • Wealth Advisory Experts 9 • Investment Solutions 9 • Banking Services 9 • Service Charge and Fee Waivers 10 • Special Rate Privileges 10 • Consolidated Report • KRUNGSRI PRIVATE BANKING Center 15 • Safe Deposit Box Service 18 19 Dedicated Journey 24 • Complimentary Air Ticket 24 • Lounge Access at the Airports • Private Limousine Airport Transfer • Accident Insurance Policy • Lost & Stolen Card Coverage Policy

Dedicated Leisure 27 • Quarterly Privileges 28 • Monthly Privileges on Krungsri Mobile Application (KMA) 29 • Redeem Points and Enjoy 20%* Cashback at Leading Shopping Centers 30 • Dining and Accommodation Privileges 34 • Complimentary Green Fees 38 • Fitness Privileges 40 • 3%* Cashback at Participating Bangchak Gas Station 40 • Up to 50%* Discount at Embassy Diplomat Screens 41 • Privileges in Your Birth Month 41 • Reserved Parking 42 • PRIVATE BANKING Assistance 45 Dedicated Rewards • Krungsri Point



KRUNGSRI PRIVATE BANKING is ready to manage your portfolio according to your needs with WEALTH MANAGEMENT a team of the country’s top experts from Krungsri Group and BlackRock, a leading global Wealth Management partner that has the answers in all dimensions of finance and investment. Services 1. Wealth Advisory Experts A world-class consulting team with deep knowledge of all financial aspects to build on your successes for sustainable wealth • IIO Office Our Investment Intelligent Office is ready to share financial market outlook and investment strategy, helping you achieve your financial goals with the help and expertise of experienced investment advisors. 2. Investment Solutions Private investment service privileges expertly manage wealth to the benefit of future generations • Customized Wealth Advisory We offer expertise in wealth management with experienced financial advisors to advise wealth planning along each individual’s life journey. • Portfolio Solutions Financial expertise to tailor an individualized investment portfolio to suit your risk tolerances and return objectives. • Onshore Mutual Funds Best-in-class domestic mutual fund investment products that span broad ranges of asset class investments. 05

• Direct Offshore Funds Enjoy direct access to best-in-class offshore mutual fund investment products with a wide range of assets across top-tier global investment management firms. • Private Assets Exclusive investment choices through Private Assets, such as Private Equity and Private Real Estate, which can generate steady returns with less volatility. • Alternative Investments Engage in alternative investment opportunities e.g. Real Estate, Collectibles, Gold, etc. • Corporate Bonds Expert advice available on corporate bond investment which earn higher potential returns than bank deposits but at lower risk compared to equities. • Structured Products Offering structured investments with embedded derivatives linked to a variety of underlying assets. • Global Equities Open an account with services offering direct access to global equities or ETFs. • Private Funds Private fund services catering to investment portfolio management by professional fund managers according to your specified investment preferences, conditions and limitations. • Sustainable Investment Engage in a longer-term investment strategy which incorporates Environmental, Social and Governance (ESG) issues in investment decisions to create sustainable investment returns along with positive social and environmental impact. 06





Privileges for complete financial transaction services selected for convenience and comfort BANKING Banking Service Charge and Fee Waivers Services • Cheque book fee (two cheque books/year, 20 cheques/book) worth 600 Baht in total • Unlimited gift cheques and cashier’s cheque service fees • Unlimited financial statement service fees • Unlimited statement issuance fees data up to the previous 6 months • Krungsri Cash Connect service fee, worth 700 Baht/year (when transferring money between savings and current accounts) • Appraisal fees and Loan Agreement processing fee for Housing Loans • Krungsri SMS Banking service fees Special Rate Privileges • 50% discount on Robotic or Standard Safe Box (Limit 1 box/person/year) • Special interest rates for Housing Loans • Special exchange rates when purchasing foreign currencies at the Bank • Preferential rate on Outward Remittance fee of 350 Baht/transaction (Excluding Commission in Lieu of Exchange) Consolidated Report Consolidated Report on all financial product of Bank of Ayudhya PCL., its affiliates and business partners. 09

KRUNGSRI PRIVATE BANKING CENTER An exclusive zone for KRUNGSRI PRIVATE BANKING customers at Bank of Ayudhya Head Office (a traditional Thai-style building on Chao Phraya River) offers an impressive experience. Under the design concept of Thai architecture in the Ayudhya period by Ajarn Pao Suwannasaksri, National Artist of Thai Architecture, 2010, reflecting the identity of Ayudhya combined with the unique design of KRUNGSRI PRIVATE BANKING with regard to convenience and privacy. Answering to all financial and lifestyle services with a private meeting room and a lounge serving selection of beverages and bakeries. Ready to open at the end of 2022. In addition, KRUNGSRI PRIVATE BANKING customers are welcomed to use facilities at a financial and investment center of Krungsri The Advisory and at the KRUNGSRI EXCLUSIVE Lounge of Krungsri branches nationwide. Enjoy Elite Peace of Mind with Safe Deposit Box Service for KRUNGSRI PRIVATE BANKING Customers We provide safe deposit box service protected by a world-class security system to comfortably serve your business and personal life, with 50% discount on Robotic or Standard Safe Box rental for KRUNGSRI PRIVATE BANKING customers. Remarks: • This privilege is reserved for the safe deposit renters who maintain KRUNGSRI PRIVATE BANKING status when applying for a Safe Box or make a payment on the rental fees within a specified period. • The 50% discount on Robotic or Standard Safe Box rental is limited to 1 box/person/year. • Fees, terms and conditions are subject to notifications and regulations as stipulated by the Bank. • The Bank reserves the right to change any terms and conditions or privileges without prior notice. 10

• Robotic Safe Box (Available at Krungsri Ploenchit Office) With a world-class security system featuring four levels of authentication, the absolute security of your treasured belongings is always assured, as you experience ultimate privacy and comfort on every visit to your Robotic Safe Box at Krungsri Ploenchit Office. For more information, please contact 0 2208 2088 - 9 • Standard Safe Box In addition to the aforementioned Robotic Safe Box, the Bank also offers Standard Safe Boxes that comply with international security standards to KRUNGSRI PRIVATE BANKING customers at more than 40 branches. Branch locations providing Standard Safe Box service to KRUNGSRI PRIVATE BANKING customers: Bangkok and Metropolitan Region 101 The Third Place Smart Branch 0 2730 5549 Central World 0 2251 7055 Bang Khae 0 2454 2947 Chakkrawat 0 2222 1677 Bang Khen 0 2579 1225 Charu Mueang 0 2214 2352 Bang Rak Office 0 2237 7177 Ekamai 0 2714 0083 Central Festival EastVille 0 2553 6188 Fashion Island 0 2947 5140 Central Pinklao 0 2433 4830 Future Park Rangsit 2 0 2567 6176 Central Plaza Grand Rama 9 0 2160 2912 ICONSIAM Smart Branch 0 2437 9978 Central Plaza Westgate 0 2194 2795 - 9 Mega Bangna 0 2174 5617 Smart Branch Paradise Park 0 2398 5378 11

Branch locations providing Standard Safe Box service to KRUNGSRI PRIVATE BANKING customers: Pratunam 0 2251 3277 Thanon Ratchadaphisek (Central Rama III) Rama III Office 0 2296 2000 0 2673 6310 Ratchadaphisek (Huai Khwang) 0 2275 4906 Thanon Sathon Nuea (A.I.-Center) 0 2637 7278 Sam Yaek Office 0 2221 1520 Thanon Sathu Pradit 0 2295 1104 Saphan Khwai 0 2272 2990 Thanon Sukhumvit 71 0 2381 0022 Saphan Phra Pinklao 0 2433 0085 - 8 The Old Siam Shopping Plaza 0 2223 9637 Seacon Bang Khae 0 2409 7448 The Promenade 0 2130 4201 Si Yaek Asok 0 2261 8119 Vorachak 0 2221 7678 Si Yaek Sua Pa 0 2223 5334 Yaowarat 0 2223 1555 Siam Paragon 0 2129 4560 - 5 Provincial Areas 0 3805 3601 - 3 Suan Mali 0 2223 5413 Central Chonburi 0 7636 7005 - 7 Sukhumvit 35 0 2259 0020 Central Festival Phuket 0 7621 1110 Thanon Bang Na-Trat Phuket (Central City) 0 2361 0562 Thanon Chan 0 2287 4384 - 8 Thanon Charoen Nakhon Soi 35 0 2439 0615 Thanon Nang Linchi 0 2678 3016 - 8 Thanon Phatthanakan 0 2314 7700 12





1. Get the highest privilege, a Business Class air ticket from Bangkok to Europe or USA. when Accumulated Spending amount and the amount of investment deposits reaches specified limit 1.1 Complimentary Thai Airways/Thai Smile Airways/Japan Airlines/Swiss International Air Lines/LUFTHANSA/Austrian Airlines round-trip ticket on a direct flight (Economy Class) anywhere you choose when reaching Accumulated Spending targets during 1 August 2022 - 31 December 2022. Dedicated Accumulated Spending Routes Journey 1.0 - 1.99 Million Baht 2.0 - 2.99 Million Baht Domestic Routes (Thai Airways/Thai Smile Airways) JOURNEY 3 Million Baht or higher Asia Routes (Thai Airways/Japan Airlines) Europe Routes (Thai Airways/Swiss International Air Lines/ LUFTHANSA/Austrian Airlines) For KRUNGSRI PRIVATE BANKING Credit Cardholders 15

Terms and Conditions fees, cancelled transactions, cash advances, installment plans, utility bills, and direct debit (monthly/yearly); counting only the Accumulated Spending • This privilege is only available to members who are the primary credit card holder during the period from 1 January 2022 - 31 December 2022 for customers who of KRUNGSRI PRIVATE BANKING Credit Card. Such members are eligible hold a KRUNGSRI EXCLUSIVE Signature credit card and change to a KRUNGSRI to receive one seat per calendar year (round trip ticket, direct flight) from Thai Airways/ PRIVATE BANKING credit card and from 1 August 2022 - 31 December 2022 for Thai Smile Airways/Japan Airlines/Swiss International Air Lines/LUFTHANSA/ first-time customers who apply for a KRUNGSRI PRIVATE BANKING Credit Card Austrian Airlines in Economy Class, with booking class V,W with Thai Airways/ • Members can redeem the air ticket from 1 August 2022 to 31 January 2023 Thai Smile Airways routes, booking Class S with Japan Airlines and booking via the Call Center Tel. 0 2296 4565 Class T with Swiss International Air Lines/LUFTHANSA/Austrian Airlines. • This privilege is non-exchangeable, non-transferable to other persons and is not exchangeable for cash. • This privilege is only available to members who are the primary credit card • Conditions for air ticket are subject to the terms and conditions of Thai holder of KRUNGSRI PRIVATE BANKING Credit Card with Accumulated Airways/Thai Smile Airways/Japan Airlines/Swiss International Air Lines/ Spending in line with the required amounts within the campaign period. LUFTHANSA/Austrian Airlines. • Terms and conditions will be as stipulated by Krungsriayudhya Card • The total spending can be checked through the UCHOOSE application or Company Limited (“Company”). call center 0 2296 4565 • Such Accumulated Spending may not include of the amount spent on purchases of fund units, all types of premiums, accrued spending for oil categories, spending incurred at hypermarkets and supermarkets, interest, 1.2 Upgrade your air ticket when flying with Thai Airways/Cathay Pacific Airways/Japan Airlines/ Swiss International Air Lines/ Emirates/LUFTHANSA and Austrian Airlines* Deposit/Investments Destinations (Upgrade from Economy Class to Business Class, (6-months average, from the date Thai Airways may choose between upgrade from Economy Class KRUNGSRI PRIVATE BANKING to Business Class or Business Class to Royal First Class) status begins) 150 Million Baht or higher Worldwide Destinations • Thai Airways/Swiss International Air Lines/Emirates/LUFTHANSA and Austrian Airlines (Limited to 8,300 miles/flight, or equivalent of the distance from Bangkok to Europe) • Cathay Pacific Airways (Limited to 9,090 miles/flight, or equivalent of the distance from Bangkok to New York) 50 - 149.9 Million Baht Asia Destinations • Thai Airways/Japan Airlines (Limited to 3,300 miles/flight, For KRUNGSRI PRIVATE BANKING or equivalent of the distance from Bangkok to Japan) Credit Cardholders • Cathay Pacific Airways (Limited to 3,180 miles/flight, 16 or equivalent of the distance from Bangkok to Japan)

Terms and conditions purchasing at least 5 million Baht of Unit-Linked/Single Premium Insurance Products within the same day. • T(phriismparrivyilceagredisonellyig)ibanledfolirmKitReUdNtoGoSnReI ProRuIVnAd-TtEripBaAiNr KticINkGet cpreerdcitacleanrddhaorldyeerasr. • aTnhyisoptrhiveirlepgreivicleagnen.ot be transferred or changed or exchanged to cash or • The privilege to upgrade air ticket from Bangkok to worldwide destinations • This privilege is applicable for the difference of expenses from flight ufupegl rcahdaersgeonalny,daanndydoothneorteinxpcleundseesth.e air ticket fee, airport tax, insurance, cDimmpTsahaeaielreslpidilntoiocgt6onsaainbiimlBtncllyeaauo)AchlnfawsoctttshriofitorehsKuontnRmidsUsteUsnoctp,NhdfaoMetGelschuridSuettsMaulRaataaaIetvenlnPeKfddaRur/aRgnofIrgVeUdroeAmsiNmnTAevGinEtenUhSvstBeMeRt(mAsAIBtoNePUeafndKRnMdtkIIsweNV)’spoAiiGntnohfTistncEthpiharteaseeBnrdpcAatrieiiacntNadsidclpKet/apaoIm6rNrtrdoipmnGihdntgioouvoslnMcendtattsehasdttursmnaassataese(gbvnpfaeeeotrsnmirglmladoiienngawwnsertsty.hh:5eo0 • AITneitrermLrninsaeatsion/dnEamcl/oCirnaadtteihtsiao/yLnUsPaFocTf iHafiicAr NtAicSirkAweatasynsad/rJeAauapssatnrsitaAipnirulAilnairetleisnd/eSbsw.yisTshIaniteArinrwaatioynsal ACCfuofimslitaoptmeasne,ireossffc,eoarenffdecrbheyedctbhkeythtBheaenbBkaalaannnkdc,eLDiofeefbAienUnstuMurraeanstcCeisasplulroeCddeunbctyteorthfTfeeerlBe. da0nb2ky2a9tnh6ed4B5a6n5k.. • This privilege cannot be used in conjunction with any other promotions. • KoTfhRteUhepNrGaivgSilgRergIeePgRafoItVerAupTprEegmrBaAiduNemKaaIiNrmGtiocusknteatttouissf nlfifroeotmienlspiguuirbraclnehcafeosirnincgucasattloelemnadesatrsr5y0we0ha,o0r0ro0ercBeaivhet • CbThyues3t1pormDiveeilrecsgemme ubissetvrma2l0iad2kfe2r.othme1reAsuegrvuasttio2n02a2ndtoth3e1irDdeecpeamrtbuerer 2m0u2s2t.be done • Terms and conditions will be as stipulated by the Company. Flight Upgrade for Thai Airways International/Japan Airline/Swiss International Air Lines/Emirates/ LUFTHANSA and Austrian Airlines • mFoursEt mpuirractheassuepagnraMdecflarosms aEircoticnkoemtytoCulapsgsratodeButosiOnecslsasCslaasirs,ticcukestto. mers • CReaslleCrveanttieornamt Tuestl.b0e2m29a6de45th6r5o.ugh Global Union Express, please call the • tECiccukosentotomcmaeynrsCuwlpaghsrosaptdoueRrfcrohoyamasleRSoiElkycaoClnlSaoismlksyCoCrlawlsashsostoapRiurortciychakalesFteicrsRatnoCyulaaplsgSsri.alkdCelafrsosmair • Customers must reserve the air ticket at least 7 days before their departure. • caCFuiolrasrtstiTocshmk,aeceitur.AssFitrmoowrmuaaseyntsrpsuIunmprtgceuhrrsanatdaspeetuioafrrncoJahmlacuslRapesogsayrnaaaldiMrSetiilccfkrkloaCemstlsatoEsasciuropttonigcoRrkmaoedyyteatColtolFauiPsprssgctrtlCaoasdlRasesoastyoi,ratlJicSckillekats.s • IfTrneotermmrnRsaoatiynoandlaScl,oiltknhdCeitlBaiosansnsktofoisRr ncoohytaailnnFgviiornslgvteCodlraicnsassnaucrceehliancsghsathpneegcisniefgirevodicrbecyaonTfchueapliignArgairdwoefatyhse • For Japan Airline upgrade from Economy Class to Business Class, customers service in any circumstance. must purchase an M class air ticket to upgrade to X class air ticket. • auFnporgMSrawcdilesassfsrIonamteirrEtniccaoktienotontmaolyuACpirglaLrsainsdeetso,toBLUuPsFciTnlaHessAssNaCSilrAatsiacsnk,edctu.AsutostmriaenrsAmirulinstepsurchase Cathay Pacific Airways Flight Upgrade TWhhisenprfilvyiilneggeinaEllcoownsoymoyuCtolauspsg, ryaoduer tyicokuertaciratnicbkeetuwpigthraCdaetdhatoy BPaucsiinficesAsirCwlaaysss.only. • For an upgrade from Economy Class to Business Class, customers must purchase an K class air ticket to upgrade to P class air ticket. • PrReleessaeesrvreveacttahiolelni0rsa2mi0ru2tsi8ctk0be9et5am7ta(leMdaeosntthd7raodyuag–yhsFCrbidaeatfhoyar:ey8t.Ph0ae0cir–ifdi1ce7Ap.3air0rwtuharryess.).dCiruescttolym. ers must 17

2. Lounge access at worldwide and domestic airports both in Bangkok and other provinces for customers with total deposits/investments as specified Number of Access Number of Access per Calendar Year Deposit/Investment Royal Silk Lounge DragonPass 50 Million Baht or higher 2 12 Terms and Conditions • The privilege to access airport lounges via DragonPass can be used via UCHOOSE Application/DragonPass member card, customer need to present • The privilege is valid from 1 August 2022 - 31 December 2022, and eligible UCHOOSE Application or DragonPass member card to show at the time for KRUNGSRI PRIVATE BANKING credit cardholders (primary of lounge access. The customer must have the same name and last name cardholders only). on UCHOOSE Application/DragonPass member card and boarding pass. • The Thai Airways International Royal Silk Lounge at Suvarnabhumi Airport • Any airline boarding pass can be used with DragonPass to access or Royal Silk at domestic airports can be used up to 2 times per calendar Lounge privilege. year, and worldwide airport lounges via DragonPass Card can be used 12 times per calendar year, for customer who maintains total deposit/ • When using DragonPass Lounges, additional access will be allowed investment balance over 50 million Baht. The customer will be eligible for for accompanying travelers (up to maximum 2 visitors). this privilege within 60 days after the customer has completed the amount of deposit/investment as prescribed by the Bank (the total deposit/investment • This privilege cannot be transferred to any other person in any case. balance will be calculated from the Bank’s financial products or investments as • Service time for Royal Silk Lounge is between 05.00 - 01.00 hrs. follows: Deposit accounts, Mutual funds invested with participating Asset • The duration of access to Thai Airways Lounge is not more than 2.30 hours. Management Companies, offered by the Bank, Debentures issued by the Bank • The privilege cannot be transferred or changed or exchanged for cash or and Affiliates, offered by the Bank and Life insurance products, offered by the Bank) any other privilege. • The time/day to open or close may be changed and uncertain, terms and • The privilege to access Royal Silk Lounge can be used when flying with Thai Airways or Thai Smile Airways or an airline designated by Thai Airways conditions are relevant to service providers. • Customers will be responsible for any incidental charges which may occur • To enjoy the Thai Airways Lounge privilege, customer must have the same name and last name on Credit card and on boarding pass to be able to from the Lounge usage over time limit period or do not abide by company’s access the lounge once a trip. rules and regulations. The Company will charge the incidental charges to your KRUNGSRI PRIVATE BANKING credit card and will be shown in • The number of privileges used in the Royal Silk Lounge is reserved for monthly statement. 1 cardholder/time only and cannot transfer the rights to other passengers • Terms and conditions will be as stipulated by the Company. in all cases. For KRUNGSRI PRIVATE BANKING Credit Cardholders 18

3. Private limousine transfer between the airport and your accommodation both international and domestic airports 3.1 International Airport Transfer Service in USA and countries in Europe (Only listed) International Airport Transfer Service Number of Passengers / Luggage Car Type More details below More details below 2 trips per year (Limit one time per trip) • Please reserve 72 hours in advance: call 0 2296 4565 (SMS confirmation will be sent after reservation is completed) • For any amendments or cancellations, it is compulsory to inform at least 48 hours prior to pick-up time to avoid any penalty charge. There will be a 100% no-show-charge for any last-minute cancellation less than 48 hours prior to pick-up time. International Airport Transfer Service Country Airport City Car Type Distance (kilometer) Croatia Zagreb Business / MPV 20 Czech Zagreb Airport Prague Business / MPV 25 Vaclav Havel France Airport Prague Paris Business 60 Paris Charles de France Gaulle Airport Paris Business 25 Paris-Le Bourget For KRUNGSRI France Nice Business / MPV 10 PRIVATE BANKING France Airport Paris Business 25 Credit Cardholders Germany Nice Airport Frankfurt 20 Germany Paris Orly Airport Hamburg Business / MPV 20 Frankfurt Airport Business / MPV Hamburg Airport 19

Country Airport City Car Type Distance (kilometer) Germany Munich Business / MPV 50 Germany Munich Airport Berlin Business / MPV 30 Germany Berlin Schonefeld Berlin Business / MPV 15 Airport Italy Florence MPV 20 Berlin-Tegel Otto Netherlands Lilienthal Airport Rotterdam Business 10 Poland Florence Peretola Krakow Business / MPV 15 Portugal Airport Lisbon Business / MPV 10 Romania Bucharest Business / MPV 23 Russian Rotterdam Moscow 35 Federation The Hague Airport Business Russian St. Petersburg Federation Krakow Airport Business / MPV 35 Russian Moscow Federation Lisbon Portela Airport Business 35 Barcelona Spain Bucharest Airport Business / MPV 15 Madrid Spain Moscow Domodedovo Business / MPV 25 Airport Basle Switzerland Business / MPV 10 St. Petersburg For KRUNGSRI Pulkovo Airport PRIVATE BANKING Credit Cardholders Vnukovo International Airport 20 Barcelona-El Prat Airport Adolfo Suarez Madrid- Barajas Airport Euro Airport Basel Mulhouse Freiburg

Country Airport City Car Type Distance (kilometer) Geneva Switzerland Geneva Airport Bristol Business 10 Atlanta Business 15 United Kingdom Bristol Airport Business / MPV 25 Boston United States Hartsfield -Jackson Charlotte of America Atlanta International Washington Airport Detroit Las Vegas United States Logan International Business 10 of America Airport Chicago Business / MPV 20 Philadelphia 20 United States Charlotte - Douglas San Francisco Business of America International Airport United States Ronald Reagan of America Washington National Airport United States Detroit Metropolitan Business 45 of America Airport Business 20 Business 50 United States McCarran Business 26 of America International Airport Business 35 United States O'Hare International of America Airport United States Philadelphia of America International Airport United States San Francisco of America International Airport For KRUNGSRI PRIVATE BANKING Credit Cardholders 21

Car Type Car Type Cadillac XTS or Lincoln or equivalent Business GMC Yukon XL or equivalent Zone MPV or SUV United States of America Business Mercedes E-Class or equivalent United States of America Mercedes Viano or Vito or equivalent MPV European Countries European Countries Number of Passengers & Luggages Business 2 passengers with 2 small to medium-sized Luggages MPV 3-4 passengers with 3 medium-sized or 2 large luggages Terms and Conditions 4. This service includes insurance, fuel, driver and toll fees. 5. oTfhseehrvoiucrelyasreerbviectewieseanv3a-il4abhloeuurspodnepreeqnudeinsgt.oTnhethmeicnoimunutmryhaonudrscity. 1. Pwawliialcllaiktcir-nrouigvnpatfaAol crprrtaiaccrnkruig-vsueatpomlsmpeaiencnrtk:dv-Tui1ahp5esthmdaenrinipdvureot1rev0wsidmifleolidrnbuaectloleodnsnteafsopctraatnrditnduefbrpoeyarmprftoiuacrrtkie6o-u0nppimacsfk.itne-Tuurhpt5ees0s.dmfroivirneurtes 6. eTxhceeaedddsittihoenadlisfetaenwciell sbpeecchifaierdgeindtbhyetrhaetekcilohmaret.ter in case of point A to B 2. 2In4chaosuersthaefrteeratrheeasdedrvitiicoenaisl cchoamrgpelest,ecduwstitohmtheersawpipllrboevainl feovrimdeendcweitfhroinm ccuussttoommeerrs’s. pIrnivcilaesgee.of no-show, the Bank reserves the right to forfeit the 3. aaoCrducadshditatoidonmingtieaoerlnsidnawilsc5itlaal0rbn%tceyepor,efedso.perisogtniinnsaaibltilcoeonfs,otlrufcogorgstahtgeoefs,aepfrtavesircs-eheonbugeretswr,Sewuerancith2ina2gr.0gt0eim-foe7r.o07r000hrB.,aht For KRUNGSRI Terms and Conditions • The privilege is available from 1 August 2022 - 31 December 2022. PRIVATE BANKING • pThriemparryivialecgceouonftAoirfpinotretrLniamtioounsainl teraSnesrfveirceonislya. v(Laiimlaibt l1etfiomre2ptiemretrsip/y)e. ar/ Credit Cardholders • iaiaBTnnnshAvtdieNhfsoseKppltliomIprcNiwvakeGisslnuet:tcpg6DareepemmdoopooiifotnunAcstntiaihittrnrpsawdotcihhinlrcloetotblLdhlueiieesmntrcteasosadmu,(lcpsMocuriunoiulmaneututtaneSaortdyrelfierfcf5uvrsa0oincrimdsdmeseioitlshillnniigeoalvynivebB)asBlwaeitlnaeiatfkhdhob'trsltweooKfritibtaRnhmelaUitponnwNarcveeGreiate.siSclnTtRpmihparIeeaoiPrntdptiRotnuotaIgacrVmttlAFsouTunEndt • The privilege cannot be exchanged/traded/changed in cash and cannot otMhfafeenBraeagdnebkmyaentnhdteCABofafimlniakpt.aensi,eosf,feorfefedrebdy bthyethBeanBkanakn,dDLeifbeeinntsuurerasnicsesuperdodbuycts, 22 be used in conjunction with other promotions. • tpOhlteehaeBsraecncokoninsdtinatioocntt istnhvaeoreslveienrvdaicicnectpohrreodvsaiendrcevericdweisirte.hcFttoelyrr.mansyoqf sueerrvieicse, provider,

3.2 Airport Limousine Service between Suvarnabhumi or Don Muang Airport and your accommodation in Bangkok/Nonthaburi/Pathum Thani/Samutprakarn area only Car Type Time/Year/Primary Card Details 2 times Toyota Alphard 4 passengers or equivalent 4 of 28” luggage maximum as limited per car Terms and Conditions customers with the given contact information, the Company reserves the right to release the car as a no-show and will be deemed that the privilege • Advanced reservation is required 48 hours prior to the service. Please has been completely used. If the customer would like Airport Limousine contact Call Center Tel. 0 2296 4565. Service representative to wait longer than 120 minutes, additional fee of 500 Baht per hours will be applied, starting from the 121st minutes onward. • The Airport Limousine Service is available between Suvarnabhumi or • Other pick-up arrangement: Don Muang airport and pick up point in the area of Bangkok, Nonthaburi, The driver will be on standby for 30 minutes starting from pick-up time. Pathum Thani, or Samutprakarn. In case the driver could not find the customers or are unable to reach the customers with the given contact information, the Company reserves the • For any amendments or cancelations, it is compulsory to inform at least right to release the car as a no-show and it will be deemed that the privilege 24 hours prior to the pick-up time. If you do not show up as scheduled has been completely used. If the customers would like the driver to wait (No-Show) or refuse service, it will be deemed that the privilege has been longer than 30 minutes, additional fee of 500 Baht per hour will be applied, completely used. starting from 31st minutes onward. In this regard, the Company will not be responsible for any delays or missed flights. • SMS confirmation will be sent after reservation is completed. • In the event the Company is unable to arrange the reserved car, the • Airport pick-up arrangement: equivalent car or higher category will be replaced without additional charge. • In the event of a force majeure event where the Company is unable to The Airport Limousine Service representative will be waiting at the meeting arrange a scheduled pick-up due to unforeseen circumstances such as an point (to comply with Airport regulations, the meeting point cannot be accidents/heavy traffic/blocked or detour road/flash flood/terrorist attacks changed) as follows: etc., the Company will immediately offer a replacement car and inform customers accordingly. However, if the unforeseen emergency situation is Suvarnabhumi Airport: At meeting point 2nd floor between Gate 3 beyond what we could support and offer to customers, the Company Don Muang Airport: and 4, arrival hall. reserves the right to cancel the service and will inform customers immediately Don Muang Airport: At meeting point of international arrival hall after assessing the situation. on G Floor Gate 5 At meeting point of domestic arrival hall on G floor Gate 11 For KRUNGSRI The Airport Limousine Service representative will be on standby for PRIVATE BANKING 120 minutes after the flight lands. In case of the Airport Limousine Service Credit Cardholders representative could not find the customers or unable to reach out to 23

Terms and Conditions • The privilege is available from 1 August 2022 - 31 December 2022. • The privilege of Airport Limousine Service is available for 2 times/year/ • This privilege of Airport Limousine Service is available between Suvarnabhumi or Don Muang airport and pick up point in the area of Bangkok, Nonthaburi, primary account of domestic transfer only. Pathum Thani, or Samutprakarn is eligible for KRUNGSRI PRIVATE BANKING • The privilege cannot be exchanged/traded/changed in cash and cannot credit cardholders (primary card only) with total investment amount in the past 6 months in the amount of 50 million Baht or more. The total investment be used in conjunction with other promotions. amount will be calculated from the Bank's financial products as follows: • Other conditions are in accordance with terms of service provider, Deposit accounts, Mutual funds invested with participating Fund Management Companies, offered by the Bank, Debentures issued by the Bank and the Company is not involved in the services. For any queries, Affiliates, offered by the Bank and Life insurance products, offered by please contact the service provider directly. the Bank. • Terms and conditions will be as stipulated by the Company. 4. Accident Insurance policy in coverage for both domestic and international travel Feel safe from the first steps away from home when you and your family travel anywhere with one of the world's leading insurance companies. The policy covers death or disability without any charges when you pay the full amount of travel costs via KRUNGSRI PRIVATE BANKING Credit Card. Terms and Conditions • Please see Terms & Conditions of the coverage agreement, indemnity and other conditions from the insurance policy. • The cardholder can obtain additional information or call to make a claim by contacting Call Center at 0 2296 4565. 5. Lost & Stolen Card Coverage Policy Feel safer with the Zero Liability policy, a plan that will prevent any use of your card number in case the card is lost or stolen. The cardholder will not be responsible for any expenses arising, with retroactive coverage up to 48 hours prior to notification of card cancellation. Terms and Conditions • The company is limited to liable at the maximum amount of 50,000 Baht per account. The cardholder must be responsible for any excess amount. • The company will transfer the reimbursement within 45 days. For KRUNGSRI PRIVATE BANKING Credit Cardholders 24





1. Quarterly Privileges Choose privileges from leading partners from a wide selection of categories. Each privilege is granted once per quarter or a maximum of 4 times per year, subject to demand which may change over time. Customer with the total balance of Customer with the total balance of 10 Million Baht more than 30 Million Baht Health & Wellness Health & Wellness • Voucher to apply for Chivawattana Value • Voucher to apply for Chivawattana Value Gold Membership Card with Value Gold Health Gold Membership Card with Value Gold Dedicated Check-up Program (If you decide to redeem this Health Plus Health Check-up Program (If you Leisure privilege, you will not be able to redeem for decide to redeem this privilege, you will not other privileges in other quarters of Y2022) be able to redeem for other privileges in • Let’s Relax Spa: E-Code for Relaxing Massage* other quarters of Y2022) • Let’s Relax Spa: E-Code for Relaxing Massage Dining Dining • Dining E-voucher valued 1,200 Baht • Dining E-voucher valued 600 Baht at leading restaurants at leading restaurants Gift Voucher Gift Voucher • Starbucks e-Coupon valued 500 Baht • Starbucks e-Coupon valued 1,000 Baht • S&P E-Code valued 500 Baht • S&P E-Code valued 1,000 Baht • GrabFood E-Code valued 500 Baht • GrabFood E-Code valued 1,000 Baht LEISURE Travel Travel • Airport Limousine service code for 1 trip • Airport Limousine service code for 1 trip To or from airport* To or from airport * This privilege is subject to change in each quarter. Please find more information in the privilege letter or website. Redemption channels • Redemption via QR Code from the privilege letter mailed to the registered address with the Bank • Redemption via Krungsri Mobile Application (KMA) 27

Terms and Conditions 5. Iwonriltlhhbeeeaeltrvheespnprtooonvfisdfiabeilrleu. rfeortopacyoimngplayllwaitdhdtietiromnaslacnhdarcgoensdlietivoinesd, bcuystthoempearrtner 6. Tsttshoopeeresthvurcieicsgifpeicheeotdpnnirscdodrovieatniidoscdeencirtrseiv,osoeinnsfdscetolfauaordtcrehhicnevugsissoeevtlroarevvmtireciicfedeyer,isn.ptghrwoethvhsiodeeecrrvroigimbcheeptsflpoyorreowf vtiuhtihdseeetchrouerfesrttsheoeegmruvseleearssrtviotaihcnceesc.rooiIgrffdhtehitnaegch 1. Tchuestsoemperrivsi,leagnedsnaorne-trreasnesrfveeradbfloeroKrRnUoNn-GeSxcRhIaPnRgIeVaAbTlEe BtoAoNthKeINrsG. 7. Tvheenuperivoilfesgeersvicliset,efdorotnhethdisalyesttaenr dcatinmoenslyspbeeccifliaeidm.ed at the specified 2. TcoMahbhaafmyeufevlcsttoehureuueeaalndaplvBttfrbeeuoiavydrnfniald1etkfghrs0goeaeeimmnndBsdviealtaelhpiLnorseoiekntfees,BfBidoDtiasnraewnshKabkuittnR'ehrsodanUrpfntiiNunnmacraGvreeoteniSsrcpsceRiritip.somaIaTsdlPeuthpuiRnneerctoIgdstVtsdoAFbo,utuayvTocnelEfttfisdhrenBetrvaMheAesBedaNsafnptobKmnaalylIkogeNstwatnehGn6tmseda:cmeBmDunAaoseotfnntfpuCoiktlhnoimo.astsmteiewtirnpssial,altcwhonbcefhieoefeousr,netds, 8. Tshaelesse pprroivmileogtieosnscaonr ncoatrrbieedefxotrewnadreddtoorfutrtaudreedqufoarrtcearss.h or used with other 3. These privileges can be redeemed from 1 August 2022 - 31 December 2022. 9. TphreioBr annokticree.serves its right to amend any details or conditions without any 4. Ttishheeascpaafolscltluo6lwamteiodonn: tohfsth(enoatvcearalcguelaAteUdMthoef dlaesptomsoitsntahnodf/othreinpvreesvtmioeunstqinuarter) 10. In the case of any dispute, the Bank’s decision is deemed as final. 4.1MQuaayr2te0r232/2022: The calculation of AUM between December 2021 - 4.2AQuugaurtsetr240/220222: The calculation of AUM between March 2022 - 2. Monthly Privileges on Krungsri Mobile Application (KMA) Enjoy special privileges from many leading stores that answer every lifestyle need, bringing you happiness every month via Krungsri Mobile Application (KMA) Terms and Conditions • fPorrivcileagsehsoarraennyotovthaelidr dwiisthcoouthnetrs.on-going promotions and are not exchangeable • pdOertohtaveiirdlsteeodrfmbcsyonaadnnidytiorcenolsenvdbaietnifootnrsestopwruehr/isccehhlalaesrrie/nsgneorgvtoicsoepdepsc/rsiofeiveridvdiechree.srPe.lienassheailnl qbueire for • afTovhreisaratpglreievaisdleteg6peomissoitnfsothrasnKdRbeUinfNoverGesStrmRedIeePnmtRsIpVintAiotThnEe. TBahmAeNotuKontIaNtloGinf vc5eu0ssmttmoimlelionentrsaBmwahohout nohtrawmvielolrbee • The Bank reserves the right to amend, vary or withdraw any terms and oMcbafyufelctthurueealdalBtfbeuaydnndtkfhrsoaeimnnBdvatehLnseiktfee,BdDianenwsbkuit'ehrsanpfntiunacrareetniscpciriipsoaasdl utpuinercogdtdsFb,uuyocnfttfsdheeraMesBdaafnobnalylkogtwaehnmsed:eBDnAaetfnfpCikloio.asmtietpsa,aconcfioefeusr,netds, pccoorinmodrpintliiomotniecsneat.anrdy/ioter mpriwviiltehgaensi(tienmcluodf isnigmitlhaer vriaglhutet)oarteapnlayctiemtehewgithifto/ut any • AnOopnnpl-yleicKxacRthioUanNng(GKeSMaRbAlI)eP,anRreoIVneAl-itgTraiEbnleBsfAfeoNrratKbhIelNesGeanpcdruivsniltoeongm-eaessr.ssTihgwenhapobriuvlesil.eegKersuanrgesri Mobile • armTenhagyenaiuBrndfaqainnuckgitruiiearsesnnryo,ordpt cirasoltasdriitubmocursettso,in/rdsaerisenrtvsdripicb/oeeurcstotthuroenfodoprewrsorendtrehvuriicscotepsf /rppsorremoordvvoiiutdcicoeetnsro.,arSpnshldeeoariusvslidencoecthtodeinnirrtveeaoccbltvtelyeth.de • gThoeodBsaannkdasnedr/voicrethseifmyoeurcphraenstesn/steyrovuicreprpivriolevgideecrsodmea(y“Creofdues”e) tboypcraopvtidureintghe • In the case of any dispute, The Bank’s decision is deemed as final. your device’s screen or if the Code is reused, modified or duplicated. • wtCooitchdoienmitsphveeanslsipdaetfecoirfinioendaenp-yteimcriaeosduesw.aigllebewiftohrinfesitpeedc.iTfiehde Bpearniokdr.eTsheervCesodtheenroigt uhst endot 28

3. Redeem Points and enjoy 20%* cashback at Blu’Port, Central, Emporium, Emquartier, Siam Paragon, Robinson and The Mall. Terms and Conditions • Once redeemed at a store, Krungsri Points cannot be exchanged or converted into cash. • The right to participate in this promotion is reserved only for KRUNGSRI PRIVATE BANKING credit cardholders (primary cardholders) who have • Krungsri Point cannot be exchanged for cash and are non-transferrable. sufficient Krungsri Points for redemption. • Krungsri Point redemptions not be cancelled once completed. • Minimum 1,000 Krungsri Points per sales slip. • Limit point redemption at 50,000 Krungsri Points/primary account/day. • Krungsri Point will be deducted automatically when redeem point transactions is conducted at Blu’port, Central, Emporium, EmQuartier, Siam Paragon, Robinson and The Mall. Conditions for Cashback • Excludes spending at B2S, Gourmet Market, Home Fresh Mart, HomeWorks, Power Buy, Power Mall, Supersports, Tops Supermarket, liquor department, • Find out more details and conditions at the point of sale at participating phone cards and all type of top up cards, gift vouchers, rental shops at goods and service providers. department store, Installment Plan and Krungsri Smart Plan. • Member could receive cashback from 1 August 2022 to 31 December 2022 • The Company reserves the right to cancel cashback or collect fees in by redeeming Point equal to purchase amount per sales slip. accordance with the cashback value that a member receives in the case of any cancellation of the amount of purchase thereafter. • Limit cashback to 20,000 Baht per primary account per month. • Each spending amount may not be accumulated or combined as the credit • The cardholders should keep the evidence of program participation and sales slip for future reference. cashback is calculated per sales slip. • Cashback will be calculated per sales slip and transferred to cardholder’s • The Company has no association with the products and services offered. For any queries, please contact each provider directly. account the next day and cannot be transferred or exchanged to cash. • This privilege could not be used in conjunction with other promotion which • The conditions are as specified by the Company. launch at same duration. • We reserve the right to refund credit only to members with good payment history until the day the cashback is credited to the account. Spending via participating credit cards must occur on the specified date only, excluding interest, penalties, fees, cancellations, returns and expenses incurred from supplementary cards charged to the primary card account. For KRUNGSRI PRIVATE BANKING Credit Cardholders 29

For KRUNGSRI 4. Dining and Accommodation Privileges PRIVATE BANKING Credit Cardholders Dining 30 • Banyan Tree Bangkok (1 August 2022 - 31 December 2022) Bai Yun, Romsai, and Saffron Cruise • 15%* discount on food only (a la carte menu/normal set menu) everyday dinner Vertigo • 10%* discount on food only (a la carte menu/normal set menu) everyday dinner South Sathorn Tel. 02 679 1200 * Limited 10 persons/card/day/table/sales slip (not applicable on public holidays and other special occasions) • Anantara Riverside Bangkok Resort (1 August 2022 - 31 December 2022) • 15%* discount on food and beverage (non-alcohol beverage) at all dining outlets with minimum spending of 2,000 Baht/sales slip • 25%* discount on Anantara Signature Treatment at Anantara Spa Charoen Nakorn Rd. Tel. 02 476 0022 • Avani+ Riverside Bangkok Hotel (1 August 2022 - 31 December 2022) • 15%* discount on all food and beverage (non-alcohol beverage) all dining outlets with minimum spending at 2,000 Baht/sales slip Charoen Nakorn Rd. Tel. 02 431 9100 • Anantara Siam Bangkok Hotel (1 August 2022 - 31 December 2022) • 15%* discount on all food and beverage (non-alcohol beverage) at all dining outlets with minimum spending at 2,000 Baht/sales slip • 20%* discount on Anantara Signature Treatment at Anantara Spa and TRUEFITT & HILL Barber services Rachadamri Rd. Tel. 02 126 8866 • Le Méridien Bangkok (1 August 2022 - 31 December 2022) • Spa Moment 45 minutes at 1,900 Baht++* including Seasonal Afternoon Tea Treat for 2 persons • Signature Discovery massage 90 minutes at 1,299 Baht++* including special gift * Limited 1 privilege/card for a booking Tel. 02 232 8888

• Capella Bangkok (1 August 2022 - 31 December 2022) 10%* discount • Food and beverage at Phra Nakhon • Food and beverage at Tea Lounge • Regular spa menu at Auriga Wellness • When booking any room, suite or villa with breakfast at Best Available Rate For reservation and further information contact Tel. 02 098 3878 or [email protected] • Eathai (1 August 2022 - 31 December 2022) 10%* discount (Only at Krua 4 Pak, Street Food, Little China Town, Baan Kanom Thai and Wan Yen) • Hong Bao (1 August 2022 - 31 December 2022) 20%* discount on food only (excluding beverages, service charge, and 7% VAT) when dine over 3,000 Baht/sales slip for dine-in or take home only. This discount cannot be used in conjunction with any other offers, vouchers, special promotions, or discounts. Only at participating branches (excluding Ramada Phuket) • Water Library (1 August 2022 - 31 December 2022) 20%* discount on food only (excluding beverages, service charge, and 7% VAT) when dine over 3,000 Baht/sales slip for dine-in or take home only. This discount cannot be used in conjunction with any other offers, vouchers, special promotions, or discounts. Only at Chamchuri Square, Central Embassy • Plu (1 August 2022 - 31 December 2022) 20%* discount on food only (excluding beverages, service charge, and 7% VAT) when dine over 3,000 Baht/sales slip for dine-in or take home only. This discount cannot be used in conjunction with any other offers, vouchers, special promotions, or discounts. For KRUNGSRI PRIVATE BANKING Credit Cardholders 31

Terms and Conditions • This privilege is valid from 1 August 2022 - 31 December 2022. • This privilege can be used when paying with KRUNGSRI PRIVATE BANKING Credit Card only. • This privilege cannot be used in conjunction with any other promotions, discount, voucher or packages. • The conditions are as specified by the Company. • Krungsri credit cards provided by Krungsriayudhya Card Co., Ltd. Accommodations • Bangkok Marriott Marquis Queen's Park (1 August 2022 - 20 December 2022) 10%* discount on Deluxe Room from Stay for Breakfast Rate For reservation and further information Tel. 02 059 5999 or Email: [email protected] • Hua Hin Marriott Resort & Spa (1 August 2022 - 20 December 2022) 10%* discount on Superior Room from Stay for Breakfast Rate For reservation and further information Tel. 032 904 666 or Email: [email protected] • Le Méridien Chiang Mai (1 August 2022 - 31 December 2022) 20%* discount • Best Available Rate for all room type • Food & beverage at hotel's restaurants & bar • Spa menu For reservation and further information Tel. 053 253 666 or Email: [email protected] • Phuket Marriott Resort and Spa, Nai Yang Beach (1 August 2022 - 20 December 2022) 10%* discount on Deluxe Garden View from Stay for Breakfast Rate For reservation and further information Tel. 076 625 555 or Email: [email protected] For KRUNGSRI PRIVATE BANKING Credit Cardholders 32

For KRUNGSRI • Sheraton Samui Resort (1 August 2022 - 31 October 2022) PRIVATE BANKING • 10%* discount on Best Flexible Rate for all room types including breakfast for 2 persons. Credit Cardholders • Massage shoulder and neck 30 minutes. For reservation www.sheratonsamui.com For further information Tel. 077 422 020 • The Nai Harn, Phuket (1 August 2022 - 31 December 2022) • 35%* discount on Best Flexible Rate for all room types including breakfast for 2 persons. • Complimentary upgrade* to the next category if staying minimum 3 nights which is applicable for any bookings of Deluxe Ocean View and Grand Ocean View rooms. • This privilege cannot be used on public holidays and other special occasions. For reservation www.thenaiharn.com and use the promotion code: KCC2022 For further information Tel. 076 380 200 • RAKxa Wellness & Medical Retreat (1 August 2022 - 31 December 2022) • One Day Wellness Package at 15,000 Baht net per person* • Complimentary holistic treatment voucher* with total value of 4,000 Baht For more information, Tel. 02 055 3100 Email: [email protected] • The Ritz-Carlton, Koh Samui (1 August 2022 - 31 December 2022) • Room Special price include breakfast for 2 persons*, price starts at: o Garden View Suite at 6,000 Baht net/night* o Select Terrace Suite at 7,000 Baht net/night* o Tropical Pool Villa Suite at 9,000 Baht net/night* o Exclusive Pool Villa at 12,000 Baht net/night* o Ultimate Pool Villa at 17,000 Baht net/night* • 30%* discount on food and beverage • 30%* discount on spa For reservation or further information visit www.ritzcarlton.com/en/hotels/koh-samui and use the promotion code 3AY Tel. 077 915 777 email: [email protected] 33

• Veranda Resort & a Veranda Collection (1 August 2022 - 31 December 2022) • 15%* discount from Best Available Rate on Veranda website for 2 nights stay or more • 10%* discount on food & beverage • 10%* discount for spa A La Carte menu For reservations visit www.verandaresort.com and use the promotion code: KSE15 This offer is applicable for all room types except Pool Suite, Pavilion and Pool Villa. • Please contact participating hotels directly for further information: o Veranda Resort & Villas Hua Hin Cha Am Tel. 032 709 000 o Veranda Resort Pattaya Na Jomtien - Mgallery Tel. 038 111 899 o Veranda High Resort Chiang Mai - MGallery Tel. 053 365 007 o Veranda Collection Samui (Rocky’s Resort) Tel. 077 332 888 - 91 o VERSO hua hin - a Veranda Collection Tel. 032 682 021 Terms and Conditions • The privilege is valid from 1 August 2022 - 31 December 2022. • This privilege can be used when making a payment by KRUNGSRI PRIVATE BANKING Credit Card only. • Privilege cannot be used in conjunction with any other promotions, discount or packages. • The conditions are as specified by the Company. • Krungsri credit cards provided by Krungsriayudhya Card Co., Ltd. 5. Complimentary Green Fees for KRUNGSRI PRIVATE BANKING credit card (primary card only), from 1 August 2022 – 31 December 2022 Privileges are valid for primary cardholder only and can be utilized once a month per cardholder from all participating golf courses under the Golf Privilege category. For KRUNGSRI PRIVATE BANKING Credit Cardholders 34

Participating Golf Courses Address Remarks Golf Courses Klong Luang, Pathum Thani Only Tuesday - Friday Alpine Golf Club Bangna-Trad KM. 7.7 Muang Kaew Samut Prakan Weekdays (all day) Lake Wood Country Club Bangna-Trad KM. 18, Saturday - Sunday (after 12.00 pm.) Summit Windmill Samut Prakan Panya Golf Club Bangna-Trad KM. 10.5, Weekdays (all day) Siam Country Club Samut Prakan Saturday - Sunday (after 12.00 pm.) Alpine Golf Resort Chiangmai Panya Ramindra KM. 9, Nikanti Bangkok Weekdays (all day) Banyan Golf Club Hua Hin Plantation Course/Waterside Course Saturday - Sunday (after 12.00 pm.) Black Mountain Hua Hin Banglamung, Chonburi Blue Canyon Phuket Sankampaeng, Weekdays (all day) Santiburi Samui Chiang Mai Saturday - Sunday (after 12.00 pm.) Nakhon Pathom Weekdays (all day) Hua Hin, Prachuab Kirikan Saturday - Sunday (after 12.00 pm.) Hua Hin, Prachuab Kirikan Weekdays (all day) Saturday - Sunday (after 12.00 pm.) Thep Kasattri, Phuket Weekdays (all day) Ban Don Sai, Samui Saturday - Sunday (after 12.00 pm.) For KRUNGSRI Weekdays (all day) PRIVATE BANKING Saturday - Sunday (after 12.00 pm.) Credit Cardholders Weekdays (all day) Saturday - Sunday (after 12.00 pm.) Weekdays (all day) Saturday - Sunday (after 12.00 pm.) Weekdays (all day) Saturday - Sunday (after 12.00 pm.) 35

Terms & Conditions • Any changes and cancellation must be made 2 working days prior to intended tee-off date/time and subject to availability, otherwise the • Privilege is valid from 1 August 2022 to 31 December 2022 for KRUNGSRI cancellation and amendment fees will be applied. PRIVATE BANKING credit cardholder (primary card) issued in Thailand only. • There will be rain checks at Alpine Golf Club, but there is no rain check • Privileges can be utilized once a month per cardholder from all participating policy at other golf courses. golf courses in the Golf Privilege category. • Privilege is not applicable to night golf game. • Privilege is limited to the first 30 persons per month, on a first come-first • This benefit to use each golf course is according to the conditions that Visa served basis. and each golf course have reserved for KRUNGSRI PRIVATE BANKING • KRUNGSRI PRIVATE BANKING credit cardholders must accompany any credit card holders only, and cannot be used for other recreational guest(s). There is a maximum of 4 golfers per group and a minimum of purposes or other activities. 3 golfers per group. • Privilege is not to be regarded as a golf club membership. And the privilege is not valid for use in conjunction with other promotions, • The use of privilege is limited to a maximum of two KRUNGSRI PRIVATE membership discounts or offers, and cannot be used with other promotion, BANKING credit cardholders per group only. participation in social games or golf tournaments. • The information contained in this guide is subject to changes, please • Privileges are inclusive of green fees only. Cost of caddy and golf cart carefully check before use. are to be borne by KRUNGSRI PRIVATE BANKING credit cardholder. • The company and Visa reserve the right to amend, delete or add to any terms and conditions, and/or to cancel, terminate the privileges without • Cardholder guests have to pay for green fees, golf cart, and caddies at prior notice. affiliate rates at the club even if the guests are KRUNGSRI PRIVATE • The company and Visa shall not be responsible or liable in any manner BANKING credit cardholders. whatsoever for any deficiency or inadequacy of services under the Visa Premium Card Privileges Program, and eligible cardholders shall look • Reservations are required at least 4 working days in advance of the solely to the relevant participating merchants in the case of any queries, intended date of play through Tel. 02 919 8423 on Monday – Friday disputes or complaints for any services. No representation or warranty of from 9.00 - 17.00 hrs. and subject to availability. any nature is made by the company and Visa as to the quality of any services provided by any merchant. • Cardholders are not allowed to book the next golf game until the current • By utilizing or attempting to utilize the Visa Premium Card Privileges game has been played. Program, all eligible cardholders are deemed to have read, understood and irrevocably accepted and agreed to the terms and conditions set • Booking cannot be transferred to other persons. out herein. • Privileges are subsidized by Visa and not a direct offer from the golf clubs. • The conditions are as specified by the Company. • KRUNGSRI PRIVATE BANKING credit cardholders will not be granted access rights to the clubs without prior bookings through the relevant booking channel notified in the communication to KRUNGSRI PRIVATE BANKING Credit Cardholders • Golf clubs will not entertain any correspondence/enquires and/or attempts for bookings from KRUNGSRI PRIVATE BANKING Credit Cardholders should they contact the golf clubs directly. • Confirmation, cancellation or changing the tee time is subject to consideration as appropriate by the golf course. 36

37

6. Fitness Privileges Achieve your healthy lifestyle with a selection of leading fitness centers both in Bangkok and provincial areas so that you can choose to receive the service at your convenience. Bangkok and Metropolitan Area • The Olympic Club at Paradise Park (4th floor) Mon - Fri 06.00 - 20.30 hrs. • Mandarin Oriental (Baan Rim Naam) Sat - Sun and Official Holidays Mon - Sun 06.00 - 22.00 hrs. 07.00 - 20.30 hrs. Tel. 0 2439 2260 Tel. 0 2780 2281 • Renaissance Bangkok Hotel (R Fit) • Millennium Hilton Hotel Charoennakorn Mon - Sun 06.00 - 23.00 hrs. Sat - Sun 06.00 - 21.00 hrs. Tel. 0 2125 5000 Ext. 8885 Tel. 0 2442 2000 • Centara Grand@Central World (Life 26) Provincial Areas Mon - Sun 06.00 - 23.00 hrs. Tel. 0 2100 6299 Chiang Mai • Centara Grand@Central Ladprao • Shangri-La Hotel (Health Club) Mon - Sun 06.00 - 22.00 hrs. Mon - Sun 06.00 - 22.00 hrs. Tel. 0 2541 1234 Ext. 4038 Tel. 0 5325 3888 Ext. 6540 • Virgin Active Fitness Club *Operation Time during Covid-19 Situation: Mon - Fri 06.00 - 17.00 hrs. 09.00 - 17.00 hrs. Sat - Sun and Official Holidays 16.00 hrs. – Closing time of each branch Nakorn Ratchasima • Empire Tower Tel. 0 2017 9798 • Fitness First, The Mall Korat (3rd floor) • Siam Discovery Tel. 0 2017 9777 Mon - Fri 06.00 - 21.30 hrs. • EmQuartier Tel. 0 2017 9799 Sat - Sun 08.00 - 21.00 hrs. • Central Festival Eastville Tel. 0 2017 9755 Official Holidays 08.00 - 20.00 hrs. • Central Plaza Westgate Tel. 0 2017 9703 Tel. 0 2118 6665 For KRUNGSRI PRIVATE BANKING Credit Cardholders 38

Khon Kaen Phuket • Fitness First Central Plaza Khon Kaen (4th floor) • Royal City Hotel (Club Asia Fitness Center) Mon - Fri 06.00 - 22.00 hrs./ Mon - Sun 06.30 - 21.30 hrs. Sat - Sun 08.00 - 21.00 hrs./ Tel. 0 7635 4027 Official Holidays 08.00 - 20.00 hrs. Tel. 0 2118 6665 • Alpha Health Club Mon - Fri 06.30 - 22.00 hrs./ Udonthani Sat - Sun 08.00 - 21.00 hrs./ Official Holidays 08.00 - 21.00 hrs. • Fitness First Central Plaza Udonthani (3rd floor) Tel. 0 7661 2655 - 56 Mon - Fri 06.00 - 22.00 hrs./ Sat - Sun 08.00 - 21.00 hrs./ Songkla Official Holidays 08.00 - 20.00 hrs. Tel. 0 2118 6665 • Centara Hotel Hat Yai (Cenfit) Mon - Sun 07.00 - 20.00 hrs. Chonburi Tel. 0 7435 2222 Ext. 2730 • Fitness First Central Plaza Chonburi (3rd floor) Suratthani Mon - Fri 06.00 - 22.00 hrs./ Sat - Sun 08.00 - 21.00 hrs./ • Fit for Life Official Holidays 08.00 - 20.00 hrs. Mon - Fri 08.00 - 22.00 hrs. Tel. 0 2118 6665 Sat - Sun 08.00 - 21.00 hrs. Tel. 0 84690 3035 • Centara Grand Mirage Beach Resort Pattaya (Lifestyle) Mon - Sun 06.00 - 22.00 hrs. Tel. 0 3871 4969 For KRUNGSRI PRIVATE BANKING Credit Cardholders 39

Terms and Conditions • Due to the situation of COVID-19, please check open-closing times and terms and conditions of each fitness venue before using. • Privilege is valid from 1 August 2022 to 31 December 2022. • The Bank reserves its rights to provide fitness privilege (“Fitness Privilege”) • This Fitness Privilege cannot be exchanged for cash or used in conjunction with any other promotions. to KRUNGSRI PRIVATE BANKING customers who maintain the required average deposits and/or investments in the amount of 50 million Baht • This privilege is for KRUNGSRI PRIVATE BANKING customers who comply or higher. with the terms and conditions of each fitness service venue. In case the • KRUNGSRI PRIVATE BANKING customers will be required to present customer does not comply with such terms and conditions, the Bank and primary KRUNGSRI PRIVATE BANKING credit card together with the fitness service venue reserve the right to suspend the Fitness Privilege. Identification Card for using the Fitness Privilege. • Advanced reservation is not allowed, unless in accordance with COVID-19 • The Bank reserves the right to abort the Fitness Privilege from the date of policies of each facility. the termination of KRUNGSRI PRIVATE BANKING status. • This Fitness Privilege is non-transferable and the right is reserved to use the fitness center for the cardholder only. • The rights to change the terms and conditions are reserved without any • Limit 1 time Fitness Privilege/day/card of each fitness service venue within prior notice. the service period as specified by the fitness service venue. • In case of dispute, the Bank’s decision is final. 7. 3%* cashback for spending every 800 Baht/Sales Slip at participating Bangchak gas stations. (Cashback will be calculated from spending maximum at 4,800 Baht/primary card account/ cycle cut and accumulated spending from both of primary card and supplementary card.) This privilege is valid from 1 August 2022 - 31 March 2023. 8. Up to 50%* discount at Embassy Diplomat Screens. This privilege for Embassy Diplomat Screens and lounge is limited to 1 right (2 seats)/primary account/month, limited to 150 rights/month. Terms and Conditions • If 150 rights (300 seats) have been fully redeemed, customers can enjoy 20% discount for Embassy Diplomat Screens. • You will be entitled to these privileges when you pay for movie tickets via KRUNGSRI PRIVATE BANKING Credit Card. • The conditions are as specified by the Company. • The privilege can be applied only at the ticket counter. For KRUNGSRI PRIVATE BANKING Credit Cardholders 40

9. Privileges in Your Birth Month A specially selected gift is offered for you to celebrate your birthday with an impressive experience. 10. Reserved Parking for Ultimate Convenience Customers must present their KRUNGSRI PRIVATE BANKING credit card and KRUNGSRI PRIVATE BANKING reserved parking sticker upon service. Place Condition • Central Chidlom Level B • The Promanade Parking fees are subject to the conditions of Building E, 3rd floor the shopping center and shall be borne by the customer. • J-Avenue Thong Lo Convenience Parking zone, 1st Floor • The EmQuartier Zone C, 2nd floor • Novotel Bangkok Suvarnabhumi Airport Customers must request to reserve a parking space at least Underground zone, Level B 3 business days in advance via Call Center Tel. 0 2296 4565. Confirmation will be sent through email. • This privilege is reserved for the primary cardholders of KRUNGSRI PRIVATE BANKING credit cards only. • Parking duration is limited to 48 hours/visit. In excess of 48 hours, parking fees of an exceeding hour are subject to the conditions of the Hotel’s Parking rules and shall be borne by the customer. For KRUNGSRI • Limit to 4 parking spaces/day and reserve the right PRIVATE BANKING to use 1 parking space/card/time Credit Cardholders Remark: The Bank reserves the rights to provide two KRUNGSRI PRIVATE BANKING reserved parking stickers to one primary account owner. 41

11. PRIVATE BANKING Assistance The concierge services include 24-hour Roadside Assistance, Personal Assistance and Home Assistance. Scope of Concierge Service Coverage of Service Facilitation Only • Golf Course Referral and Reservation • Assistance/Hotel Referral and Reservation • Assistance/Special Events and Performance • Assistance/Flower and Gift Delivery • Assistance/Dining Referral and Reservation • Assistance/Car Rental and Limousine Referral and Reservation Assistance/Country and Major City • Information/Airline Ticketing Referral and Reservation Assistance • Providing information on how to apply for passports, visas and customs • Interpreter service and help sending urgent messages to families in case of emergency • ATM Location Recommendation Service 24-hour Roadside Assistance Roadside assistance service provided 24 hours a day by expert technicians. In the event of vehicular breakdown while driving, keys locked inside the car, etc. It is like always having a friend on the road, allowing members to drive with peace of mind at all times. In the event that a problem cannot be resolved at the scene of the accident, car towing service will be provided to the nearest appropriate repair shop. Scope of Roadside Service Coverage of Service • Emergency Towing Assistance 1,500 Baht/case/user/year • Minor On-Site Vehicle Repair Assistance/Gasoline Facilitation Only • Refill Assistance/Emergency Locksmith For KRUNGSRI • Assistance/Arrangement for Rental Transport/ PRIVATE BANKING Credit Cardholders Arrangement of Hotel Accommodation Assistance 42

Home Assistance Home assistance service provided 24 hours every day for any emergency situations that may accidentally occur and to support every unexpected event. Because we know how much your home and family mean to you, we provide home emergency assistance services for peace of mind. Scope of Home Service Coverage of Service • Locksmith Assistance Facilitation Only • Plumbing Assistance • Electrical Assistance • Air-Conditioner Engineer Assistance • Roof and Ceiling Repair Assistance Terms and Conditions • The company reserves the right to be responsible for towing expenses at 1,500 Baht per time, or equivalent to the first 20 kilometers and limited • The services are reserved for KRUNGSRI PRIVATE BANKING Credit to 1 time per calendar year. Members will be responsible for any additional Cardholders (primary card) whose memberships remain valid. expenses that may occur. • PRIVATE BANKING Roadside Assistance & Towing service nationwide • Please contact Call Center at 0 2296 4565 coverage in Thailand. • PRIVATE BANKING Roadside Assistance & Towing service are not included road accidents. For KRUNGSRI PRIVATE BANKING Credit Cardholders 43



Dedicated “Krungsri Point” Redeem special deals and privileges with easy redemption via Rewards the UCHOOSE Application • Redeem for instant discount at over 10,000 branches nationwide • Redeem for more than 500 items and gift vouchers • Redeem for cashback starting at 1,000 points = 100 Baht • Redeem for E-COUPON with leading merchants • Redeem for donation to foundations and charities • Redeem for mileage with top airlines e.g. Thai Airways, Bangkok Airways, Japan Airlines, AirAsia and Cathay Pacific • Transfer points to points of leading partners • Instantly transfer points between Krungsri credit card member's main account, or individual using the same surname via UCHOOSE. For KRUNGSRI REWARDS PRIVATE BANKING Credit Cardholders 45

TERMS & CONDITIONS 1. KRUNGSRI PRIVATE BANKING is a special service which the Bank of Ayudhya Public Company Limited (“the Bank”) provides to an individual customer who is at the age 15 years old or above (hereinafter called “KRUNGSRI PRIVATE BANKING customers”) who use services of deposits and/or investments in the amount of 50 million Baht or higher on the Bank’s participating financial products or investments (excluding any deposit products opened through Kept Application) the Bank’s participating financial products or investments are as follows: • Fixed deposit accounts • Saving accounts, calculating from cumulatively outstanding balance of 6 months • Mutual funds invested with participating Asset Management Companies, offered by the Bank • Life insurance products, and Unit-Linked Life insurance offered by the Bank. (Insurance premiums as deposits/investments will count towards the balance only in the year that the insurance premium is paid.) • Debentures issued by the Bank , offered by the Bank. 2. In the case when a KRUNGSRI PRIVATE BANKING customer fails to maintain the minimum amount of deposits and/or investments under the conditions specified by the Bank, the Bank reserves the right to cancel the KRUNGSRI PRIVATE BANKING status for that customer, including cancellation of all privileges hereof and to collect fees waived as a KRUNGSRI PRIVATE BANKING benefit, effective immediately without prior notice. 3. For joint deposit or investment accounts, the Bank reserves the right to offer KRUNGSRI PRIVATE BANKING status and privileges to only one primary account owner. 4. Receipt or exercise of these privileges is subject to terms and conditions provided by the Bank and/or service provider/business alliances. KRUNGSRI PRIVATE BANKING customers must present their KRUNGSRI PRIVATE BANKING Credit Card prior to receiving the above-mentioned privileges. 5. The Bank reserves the rights to alter, modify or terminate one or all privileges provided to KRUNGSRI PRIVATE BANKING customers without prior notice. 6. The Bank’s decision shall be final. 46