Dear K-Cyber Banking User,

Subject Logging-in to K-Cyber Banking Service after User IDs have been merged

                 KBank has merged our online financial and investment services into a single web presence as “K-Cyber Service”, which helps you to log in to the system with a Single-Sign-On (SSO), i.e., a single set of User IDs and Passwords for all three services, including K-Cyber Banking (Internet Banking), K-Cyber Trade (Online Stock and Derivative Trading) and K-Cyber Invest (Online Mutual Fund Investment).

                 Users who have been notified by KBank can merge their User IDs used with the above three services by following the “Steps for Merging User IDs” in Attachment 1. KBank would like to emphasize that after you have merged your User IDs, you have to log in to the system via the new K-Cyber Service webpage only at your next access to K-Cyber Banking.

                 If you have any questions or need further information, please call our K-Contact Center at: Tel. 0 2888-8888 or email:

                                                                                                                                                                              Sincerely yours,

                                                                                                                                                                               KASIKORNBANK PCL.