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Krung Thai Happy Health (KTHH) Balanced FundFund of Funds

Cross Investing FundFund with Local and Foreign Country Risk

Fund Factsheet

Krungthai Asset Management Public Company Limited Anti-corruption: Certified by CAC

Investment in a fund is not the same as cash deposits

As of 29 July 2020

Unitholders may place orders to redeem or switch out of the fund from January 2021 onwards. The order must be placed in advanced, on a trading day during the 16-20th of any month. KTAM has designated redemptions and switch-out orders to be executed on the 21st of any month or

the next business day if the date coincides with a public holiday.

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The fund’s policy is to invest in 2 or more local and foreign funds such as CIS and/or ETF and/or property funds and/or Real Estate Investment Trusts (REIT) and/or infrastructure funds (target funds), averaging at least 80% of NAV during the financial year. These target funds must invest in equities, fixed income securities, hybrid securities, alternative investments, and/or any other securities or assets permitted by the SEC. The fund may invest in any particular fund up to an average of no more than 79% of NAV during the financial year. Portfolio weightings may be adjusted as deemed necessary at the fund managers’ discretion. The fund may invest in other funds, property funds, real estate investment trusts (REITs), and infrastructure funds under management by KTAM at up to no more than 100% of fund NAV. Investment in another fund under KTAM management must adhere to the fund’s investment policy framework as prescribed by SEC guidelines and terms. The target fund is not allowed to route investment back into the fund of funds (Circle Investment) and no target fund may cross-invest in another fund of funds (Cascade Investment) managed by the same asset management company. The remaining portfolio weight may be allocated to equity securities and/or fixed income securities and/or hybrid securities and/or financial instruments and/or cash deposits. This also includes one or several securities or assets ormeans of generating returns which are approved by the SEC for investment. The fund will consider investing abroad up to an average of 79% of NAV during the financial year. The fund may invest or hold derivatives for hedging purposes or to enhance portfolio performance (Efficient PortfolioManagement) in accordance to guidelines prescribed by the SEC. If the fund has foreign investments in its portfolio, the fund may consider using derivatives to hedge against FX risk.This will be up to the discretion of fund managers, given the prevailing investment climate. KTAM reserves the rights to change the fund type and its unique features into a Feeder Fund or fund that directlyinvests in local and foreign financial instruments and/or securities, or convert back into a Fund of Funds, providedthat the fund’s level in the risk spectrum does not increase. This is up to the discretion of fund managers, given the prevailing investment climate and only conducted for the best interests of unitholders. KTAM will inform unitholdersat least 30 days in advance before aforementioned change of fund type; a notice will be posted on the website. Portfolio Strategy: To outperform the benchmark (Active Management)

What are you investing in?

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If the fund’s policy and risks are still unclear to you

Read the full prospectus or consult the selling agent or KTAM. Do not invest without fully understanding the fund’s characteristics and risks.    

An investor who can accept the risk of investing in a fund of funds with a portfolio consisting of mutual funds, ETFs, property funds, REITs, infrastructure funds, either local or foreign. The value of these fund holdings may appreciate or decline below investment cost, therefore resulting in a loss.

A unitholder investing 50,000 Baht or more into this fund (amount invested is determined from total purchases calculated at cost which must sum to no less than 50,000 Baht) will be entitled to receive insurance coverage from the insurance company. Please see details in the Appendix at the end of this fund factsheet.

An investor who will be entitled to receive group health and accident insurance coverage by investing in this fund must be aged between 15-65 years and possess the qualifications required by the insurance company. You may review the qualifications of policy holder and benefits of the group health and accident insurance in the detailed section about the insurance coverage at the end of this fund factsheet.

Investors who can accept foreign currency risk, since the fund invests abroad.

This fund is not suitable for - An investor who require certainty of investment return or full protection of principal.

Who is this fund suitable for?

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Important

The Krung Thai Happy Health Fund collects the health and accident insurance premium fees by deducting from the fund under other expenses, at a rate no more than 5.35% of NAV. As such, this fund’s total expenses are therefore relatively higher than ordinary funds managed by KTAM. Unitholders must submit redemption orders in advance on a trading day between the 16-20th of any month; KTAM

has designated the 21st of the month as the day the redemption orders are executed. If that date coincides with a holiday, the order will be executed on the next business day. Investors should examine terms and conditions of the fund which offers group health and accident insurance

coverage in order to ensure entitlement to benefits covered by the insurance policy. At any time after it has been 1 year since the fund’s registration date, KTAM reserve the rights to change, enhance,

add conditions to the insurance benefits, insurance policy details, insurance company, or any other terms and conditions in accordance with the law, if KTAM assesses that there is no overall benefit to investors or there are repercussions on the fund or fees and expenses associated with the insurance premium will rise and significantly impact the fund. This also includes the right to terminate the health and accident insurance coverage or the fund itself. These rights shall be considered to have already been endorsed by unitholders. KTAM will notify unitholders in advance by at least 30 days; this period will at least facilitate 1 opportunity to redeem the units; any redemption order placed by a unitholder during this period will not be subjected to a back-end fee (Exit without Fee). Krung Thai Happy Health Fund may consider using FX derivatives to hedge against currency risks. This is up to the

judgment of the portfolio manager given the prevailing investment climate. Currency risk exposure may not always be fully-covered, therefore unitholders may incur a currency exchange loss or end up with a balance that is lower than the initial sum invested. Hedging incurs costs and can lower financial returns generated by the fund due to the additional cost burden. Since the fund may invest and hold derivatives for efficient portfolio management purposes, the returns generated

by gains or losses on the futures price may not be identical to the price movement of the underlying’s spot prices. This fund may invest in derivatives for hedging purposes or invest in structured notes, therefore contain higher risk

than funds which only hold underlying securities directly. Leveraging magnifies profits/losses compared with investing in the underlying securities directly. The Krung Thai Happy Health Fund’s investment policy includes some allocation into foreign securities, hence the

fund will be exposed to country risks such as economic, political, and social, which are associated with that particular country or a fund registered in that country. Since the fund may invest in other funds managed by KTAM without investment weighting restrictions, cross-investing

can lead to a conflict of interests. However, KTAM will establish procedures to prevent transactions which could lead to a conflict of interests arising from the policy to permit cross investment in funds under the same management, in order to uphold the best interests of both the unitholders of the acquiring fund as well as the target fund. Unitholders may obtain further information on this matter from KTAM or our website www.ktam.co.th

Points to consider

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Risk Scale

 

Key Investment Risks

Market Risks

Note: Standard Deviation (SD) shown above is an estimate based on back-tests of the model portfolio; investors may review the fund’s actual standard deviation figures after the fund has already been registered. Concentration Risk

High Sector Concentration Risk

Low High

≤ 20% 20-50% 50-80% > 80%

Country Concentration Risks High Country Concentration Risk

Low High

≤ 20% 20-50% 50-80% > 80%

Note: Information displayed above is only an approximation of the master fund portfolio’s characteristics; the master fund has high portfolio exposure to China. Foreign Exchange Risk

* More information available at www.ktam.co.th

Standard Deviation (SD)

Low High 25%

High Issuer Concentration Risk

Low High ≤ 10% 10-20% 20-50% 50-80% > 80%

FX Hedging Low High

Full / Almost Full Partial Discretionary None

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Fees Charged to the Fund (% p.a. of NAV)

Remarks * Rates shown include VAT, special business tax, and other similar taxes (if any). ** The insurance premium is the actual amount, but not exceeding 5.35% of NAV p.a. This will be charged to the fund under other expenses and disclosed when fund information is scheduled to be updated as prescribed by the SEC. *** When the fund invests in another fund managed by KTAM (target fund), the company will not charge additional management fee on top of the fee for the target fund in order to prevent double-layering of fees. For example, if the acquiring fund has a NAV of 1.0 billion Baht and invests 100 million Baht in a target fund, KTAM will charge management fees as follows: (1) the 900 billion Baht of the acquiring fund will be charged the management fee quoted by the acquiring fund and (2) the 100 million Baht investment will be charged at the rate quoted by the target fund.

Fees charged to the unitholder (% of transaction value) Transaction Maximum rate Actual rate

Front end fee(1) (2) 3.21 IPO 0.75 / After IPO 1.50 Back end fee(1) (2) 3.21 Currently waived Switch-in fee(1) 3.21 IPO 0.75 / After IPO 1.50 Switching-out fee(1) 3.21 Currently waived Transfer fee As charged by registrar Fee to Issue Certificate of Fund Ownership As charged by registrar Brokerage fees and costs associated with purchase, sale, or switching of units (1) (3)

0.535 Currently waived

Penalty fee for pre-maturely redemption of units before prescribed holding period (Exit Fee)(4)

3.21 Currently waived

* Fees affect your investment returns. Review the fees before making an investment. *

Fees

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Note: Rates shown above include VAT, special business tax and other relevant taxes. (1) KTAM reserves the right to apply different front end, back end, switching, and brokerage fees and charges for different unitholder classes and shall notify at least 7 days in advance by displaying an announcement at the office of KTAM and/or selling agents (if any) and/or KTAM website. (2) If the fund invests in another fund managed by KTAM (target fund), the company will not charge front-end fees and/or back-end fees on top of the fees for the target fund to prevent double-layering of fees. For example, if the acquiring fund has a NAV of 1.0 billion Baht and invests 100 million Baht in a target fund, KTAM shall only apply front-end and/or back-end fees only on the 1.0 billion Baht amount at rates quoted by the acquiring fund. The target fund shall not charge additional front end and/or back end fees from the acquiring fund. (3) Brokerage fees will be calculated and included into the purchase or redemption price, as appropriate, to pay for fees and expenses charged by the fund when securities are transacted and brokerage expenses are levied on the fund. (4) KTAM will announce terms, conditions, and how penalty fee is collected for premature redemption by notifying unitholders at least 7 days in advance.

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Benchmark: 1. FTSE All World Index – TR Net of Tax : weighted 30%

Note: Converted to THB at the prevailing exchange rate at time of performance comparison. 2. SET Total Return Index (SET TRI) : weighted 30% 3. ThaiBMA Government Bond Index, Mark-to-Market, 1 - 3 yrs : weighted 20% 4. Bloomberg Barclays Global Aggregate Corporate Total Return Index Value Hedge USD: weighted 5%

Note: Converted to THB at the prevailing exchange rate at time of performance comparison. 5. Property Fund & REIT Total Return Index : weighted 5% 6. FTSE EPRA/NAREIT Developed Total Return Index Net (USD) : weighted 5%

Note: Converted to THB at the prevailing exchange rate at time of performance comparison. 7. USD-denominated gold price index (LBMA Gold Price AM) : weighted 5%

Note: Converted to THB at the prevailing exchange rate at time of performance comparison. * Updated information available at https://www.aimc.or.th

* Past performance record does not guarantee future performance *

Fund performance

Performance measurement category at point of sale: Moderate Allocation

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Dividend Policy Fund pays dividends Trustee Siam Commercial Bank Public Co., Ltd. Registration Date As scheduled by the SEC Maturity Date None Purchase and Redemption

Purchases: Initial Public Offer (IPO) is during 3 – 18 August 2020 from the start of office hours of KTAM or selling agents (if any) until 15.30 hrs. After IPO: After the IPO subscription period is over, KTAM will resume accepting purchase orders again from 1 September 2020 onwards, or the next business day if that date is a holiday. Investors may place purchase orders at KTAM or selling agents (if any) on any trading day between the start of office hours until 15.30 hrs.

Min initial purchase: 50,000 Baht Subsequent purchase: 1,000 Baht Redemptions: After the IPO subscription period is over, KTAM will accept redemption orders from January 2021 onwards. Unitholders must submit redemption orders in advance to KTAM or a selling agent (if any) on a trading day during the 16-20th of any month; KTAM has designated the 21st of the month as the day redemption orders will be executed. If that date coincides with a holiday, the order will be executed on the next business day. - Min redemption (value): None - Min redemption (units): None - Min outstanding balance (value): Determined from total accumulated purchases (calculated at cost) which must be no less than 50,000 Baht; gain/loss of NAV is not considered.

- Min outstanding balance (units): None - Settlement period : Within 5 business days after calculation of NAV, NAV per unit and unit price. Payment generally settled T+6 business days after the redemption date. Daily NAV information available at www.ktam.co.th

Other information

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Portfolio Managers

Name-Surname Title / Specialization Date of Appointment Mr. Somchai Amornthum Core fund manager /

Investment Strategy and Customer Relations

Fund registration date

Mr. Apiwat Napratansuk Core fund manager / Investment Strategy and

Customer Relations

Fund registration date

Selling Agents

In the future, KTAM may appoint additional selling agents or dismiss any selling agent. Potential investors may contact KTAM to obtain a list of selling agents.

Inquiries, Prospectus, Complaints

Krung Thai Asset Management Public Company Limited 1 Empire Tower, 32nd Fl., South Sathorn Rd., Yannawa, Sathorn, Bangkok 10120 Telephone: 0-2686-6100 Website: www.ktam.co.th Email: callcenter@ktam.co.th

Conflict of Interests The fund is permitted to cross invest in other funds managed by KTAM, averaging up to no more than 100% of NAV. KTAM will establish procedures to prevent transactions which could lead to a conflict of interests which may stem from the policy to permit cross investment in funds under the same management, in order to uphold the best interests of both the unitholders of the acquiring fund as well as the target fund. Unitholders may obtain further information on this matter from KTAM or our website www.ktam.co.th

“Important Notice: This document has been translated from Thai. If there is any inconsistency or ambiguity between the English version and the Thai version, the Thai version shall prevail.”

Investment in funds differ from bank deposits and is not protected by the Deposit Protection Agency. As such, there is investment risk exposure and the investor may not recover the full amount invested.

The fund is registered and supervised by the Securities and Exchange Commission.

A draft of the fund prospectus that is reviewed by the SEC and used to support the launch and purchase of the fund units is not an endorsement by the SEC that the information presented is accurate, nor does it guarantee the value or financial returns of units offered for purchase. As fund manager, KTAM has carefully audited the information in the fact sheet as of 29 July 2020 and confirm that the information is accurate, truthful, and not misleading.

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Glossary

Price volatility or Market Risk refers to potential gain or loss in the value of securities held by the fund due to external factors such as the economic and investment climate, political situation (either domestic or foreign), etc. This is expressed by standard deviation (SD); a high SD indicates that the fund is sensitive to volatility of securities prices. Interest Rate Risk refers to the risk that securities prices will shift in the opposite direction to changes in interest rates. This risk is also greater for debt instruments with a longer maturity remaining because interest rate changes will have a more pronounced impact on the instrument’s price. Risk of payment default or Credit Risk can be gauged from the credit ratings of debt instruments invested which assesses the debt servicing ability of the issuer by taking into consideration the issuer’s past operating performance and financial strength.

Grade TRIS Fitch Moody’s S&P Remarks

Investment grade

AAA AAA(tha) Aaa AAA Highest rating denotes lowest risk of default on debt obligations

AA AA(tha) Aa AA Next highest rating denotes very low risk of default on debt obligations

A A(tha) A A Low risk of default on debt obligations

BBB BBB(tha) Baa BBB Moderate risk of default on debt obligations

Non-investment grade

Below BBB

Below BBB(tha)

Below BBB Below BBB

High risk of default on debt obligations

Liquidity Risk. Uncertainty regarding the ability to trade some securities within an intended time frame or price level due to limited trading opportunities.

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Business Risk refers to uncertainty arising from the financial status or business performance of the issuer which could cause the share price of the company to rise or fall. Foreign Exchange Rate Risk. Potential fluctuations in exchange rates can impact the value of the fund. For example, the fund may have invested abroad in USD at a time when the Thai Baht is weak but later divests when the Thai Baht has strengthened. Such scenario would mean obtaining less Thai Baht from the divestment. An opposite scenario of investing when the Thai Baht is strong and divesting when the Thai Baht is weak would produce a favorable gain. As such, hedging foreign exchange risk is an important measure to mitigate this uncertainty

Hedging of foreign exchange risks is subjected to the discretion of the portfolio manager: unitholders are susceptible to foreign exchange risks due to the fact that hedging depends on the judgement of the portfolio manager.

Country Risk. Changes in the domestic affairs of countries the fund invests in, such as change of leadership, economic policies, etc. may hinder settlement of scheduled debt repayments. Repatriation Risk. Uncertainty regarding ability to manage and remit proceeds back to home country. To invest abroad, the fund must comply with laws, regulations, and practices in the host country which may differ from the regulatory environment in Thailand. KTAM has operating guidelines to require scrutiny of laws, regulations, and processes related to investment transactions, as well as the risks of making an investment in a foreign country. In reality, the fund may still face unforeseen events beyond our control due to changes to the investment climate such as changes in rules and regulations issued by the foreign country or changes in policies of local authorities. These risks affect costs, expenses, and taxes, which may affect expected returns. There may also be limitations on the ability to remit proceeds back or conversion of currencies, making it difficult to receive payment settlement. These issues may affect the fund’s value or impact its liquidity. Risk from the use of hedging derivatives refers to greater price volatility due to having a leveraged position when compared to holding securities directly. As such, by investing in derivatives, the fund will have greater price volatility compared to owning the underlying securities directly.

Furthermore, there are also notable differences in the risks associated with the different types of derivatives:

- Risk to the buyer of options arises from the inability to exercise the option as expected resulting in paying for an instrument that does not deliver financial returns.

- Risk to the seller of options arises from the uncertainty that the option holder may exercise the option. In a short call option, the seller would have unlimited risk as the price of the underlying securities have potential for unlimited price movement.

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- Futures and forwards contain risks regarding fluctuations in the price of the underlying which may move in an unfavorable direction resulting in a loss to the future/forward contract made.

- Swap options contain risks regarding fluctuations in the price of the underlying which may move in an unfavorable direction resulting in a loss to the swap contract made.

Risk of investing in derivatives for efficient portfolio management or achievement of target objectives create risk exposure that is different or greater than the risk of investing in ordinary securities.

- There is discrepancy between the return produced by the derivatives in comparison to the underlying securities or index.

- To use derivatives, the fund may need to pay an initial margin and submit additional collateral with only brief prior notice when market conditions change unfavorably to the derivative. Failure to submit the required collateral in time will force the fund to unwind the derivatives contract and possibly incur a loss.

Counterparty Risk. A counterparty’s ability to meet FX hedging contracts made can be compromised if the counterparty encounters financial difficulties and becomes unable to honor the agreed terms. Structured Note Risk. The fund may invest in structured notes in accordance with SEC guidelines and notifications. Structured notes generate financial returns based on the underlying, the underlying and its characteristics must not conflict with the objectives and policy of the fund. High Concentration Risks

(1) The risk of allocating substantial exposure of over 10% in a single issuer (Issuer Concentration Risk) makes fund performance susceptible to any factors that may affect that issuer’s business operations, financial strength or stability. Hence, the fund’s performance may be more volatile compared to a more well-diversified fund.

(2) The risk of allocating substantial exposure of over 20% in a single business sector (Sector Concentration Risk) makes fund performance susceptible to any factors that may affect that sector or industry’s business performance. Hence, the fund’s performance may be more volatile compared to a fund that is more well-diversified across many sectors or industries.

(3) The risk of allocating substantial exposure of over 20% in a single country (Country Concentration Risk) makes fund performance susceptible to any factors that may affect that country’s politics, economics, social conditions, etc. Hence, the fund’s performance may be more volatile compared to a fund that is more well-diversified across many countries.

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Details of benefits provided by the group health and accident insurance plan

Details of benefits provided by the group health and accident insurance plan This insurance plan is offered to unitholders of the Krung Thai Happy Health Fund, managed by Krungthai Asset Management Public Company Limited (KTAM). The insurance policy provides group health and accident insurance coverage as follows: 1. Qualifications of persons entitled to the insurance policy Individual person Age between 15-65 years old, in good health, no disability or mental condition at the time the insurance

coverage becomes effective (or according to terms and conditions prescribed by KTAM) An individual which the insurance company would categorize as healthy; insurance coverage begins when

approval is made by the insurance company. Does not cover pre-existing chronic health condition present at the time the insurance policy is issued.

KTAM reserves the rights to amend qualifications and conditions regarding persons entitled to the insurance policy, as appropriate, based on consideration for the unitholder’s best interests and the interests of the fund. This shall not be considered a breach of the fund scheme; it shall also be regarded as already endorsed by unitholders. KTAM will inform unitholders in advance by at least 7 days through a notice shall be posted on KTAM’s website. 2. Coverage A unitholder entitled to this insurance policy shall begin to receive coverage on the date the insurance policy becomes effective, or on the date approval is made by the insurance company. Coverage ends when any of the following circumstances are met.

The insurance policy expires The individual is no longer a unitholder of the fund Upon death of the unitholder The unitholder’s age exceeds the age range prescribed The unitholder’s minimum total purchases outstanding drops below the required level prescribed in

the fund prospectus The unitholder’s qualifications breach any one of the requirements stated in Section 1

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Expiry of coverage shall be determined by the age of the policy or the time period prescribed by the insurance company. 3. A unitholder who is entitled to receive the insurance policy shall receive group health and accident insurance coverage according to terms and conditions stated in the insurance policy. 4. The unitholder must provide consent to disclose one’s personal data such as name, surname, address, medical condition, and any other information required by the insurance company. If KTAM does not receive consent to access personal data, KTAM reserves the right to refuse entitlement to coverage by the aforementioned health and accident insurance. Benefits which the unitholder will receive from the aforementioned insurance policy has been arranged by the fund to provide group health and accident insurance coverage for the unitholder’s well-being and health. At any time after the fund has already operated for 1 year from its registration date, KTAM reserve the rights to change, enhance, add conditions to the insurance benefits, insurance policy details, insurance company, or any other terms and conditions in accordance with the law, if KTAM assesses that there is no overall benefit to investors or there will be repercussions on the fund, or fees and expenses associated with the insurance premium will rise and significantly impact the fund. This also includes the right to terminate the health and accident insurance coverage or the fund itself. These rights shall be considered to have already been endorsed by unitholders. KTAM will notify unitholders in advance by at least 30 days; this period will at least facilitate 1 opportunity to redeem the units and any redemption order placed by a unitholder during this period will not be subjected to a back-end fee (Exit without Fee) Terms regarding the starting date of coverage The starting date of coverage refers to the day the insurance policy becomes effective and the day the insurance company approves the insurance coverage or revises the coverage plan that applies to unitholders. Determination of starting date of coverage

If investment in fund units occur before the 21st of the month before 15.30 hrs., the starting date of coverage shall be on the 1st of the following month. For example, units purchased on 18 August 2020 shall receive insurance coverage that starts on the 1st of the following month (1 September 2020).

If investment in fund units occur after the 21st of the month, the starting date of coverage will be on the 1st of the second month after the month of the investment. For example, units purchased on 25 August 2020 shall receive insurance coverage that starts on the 1st of the second month thereafter (1 October 2020).

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KTAM reserves the rights to amend or rectify the coverage starting date; this does not breach the fund scheme and shall be considered to have already received consent from unitholders. KTAM will inform unitholders at least 7 days in advance by posting a notice on the company’s website. Under extraordinary circumstances or pressing need, KTAM may announce changes immediately. Period of coverage refers to the period between the insurance policy’s effective date or coverage starting date, as applicable, until the date of expiry of coverage (which will not exceed the policy’s coverage date). Questions - Answers Q : Which insurance company is currently providing coverage for unitholders of the Krung Thai Happy Health

Fund? A : Dhipaya Insurance Public Company Limited Q : Who is entitled to receive group health and accident insurance? A : Persons qualified to receive this health and accident insurance must meet these conditions

Individual person A unitholder whose name is in the fund registrar and has invested a total of 50,000 Baht or more, or the

required amount which KTAM may prescribe in the future. Total investment is summed according to the unitholder’s ID card number.

Age between 15-65 years, in good health without any disability or mental condition as of the date the insurance policy takes effect (or according to terms prescribed by KTAM)

An individual whom the insurance company considers healthy; coverage begins only after the insurance coverage is approved by the insurance company.

Does not cover any pre-existing chronic health conditions before the insurance coverage is issued. If the insurance company does not approve, the unitholder will not receive both the group health and accident insurance. Remarks: If the insurance company does not approve and the unitholder decides to withdraw investment from the fund, the unitholder may redeem the units according to the prescribed redemption schedule. The order will be based on the NAV on the redemption date. KTAM reserves the rights to amend qualifications and conditions of the person entitled to receive insurance coverage, as appropriate, in consideration of the best interests of the unitholder and the best interests of the fund. This shall not be considered a breach of the fund scheme and will be considered to have already received consent from unitholders. KTAM will inform unitholders at least 7 days in advance by posting a notice on the company’s website

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Q : When will insurance coverage for the unitholder start? A : The unitholder’s group health and accident insurance coverage effectively begins as follows: a unitholder that

subscribes during the IPO with an amount that meets the requirement shall begin to receive coverage as of the 1st of the month following the month of the fund’s registration. See examples below:

Examples

Units purchased during IPO

Units purchased after the IPO Unitholders may purchase / switch into the fund on any trading day. If the units are purchased by 15.30 hrs. on the 21st of the month, insurance coverage will start on the 1st of the following month.

If the units are purchased after the 21st of the month, insurance coverage will start on the 1st of the second month after the month of the investment.

Duration of coverage

Duration of coverage

Fund registered on 16 July 2020 Insurance coverage starts 1 August 2020

Fund registered on 16 July 2020

Insurance coverage starts 1 Aug 2020

Units purchased on 18 Aug 2020 Insurance coverage starts 1 Sep 2020

Units purchased on 18 Aug 2020

Insurance coverage starts 1 Sep 2020

Units purchased on 18 Aug 2020 Insurance coverage starts 1 Sep 2020

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Coverage expires upon confirmation from the Krung Thai Happy Health Fund that the unitholder has fully redeemed his/her units or the outstanding accumulated investment has dropped below 50,000 Baht* (the outstanding accumulated investment refers to the outstanding balance of the accumulated investments made by the unitholder calculated at cost, the total remaining must not drop below 50,000 Baht; gain or loss on the NAV is not taken into consideration). Entitlement to insurance coverage will last until the final day of the month in which the units were redeemed; coverage therefore ends on the 1st of the following month as of 0.00 hrs onwards in accordance with the timing schedule prescribed by the insurance company, or upon termination of the group health and accident coverage agreement made between the Krung Thai Happy Health Fund and the insurance company. * remaining investment = amount purchased or switched-in by the unitholder - amount redeemed or switched-out by the unitholder

Q : What is the amount of coverage that a unitholder will receive from the group health and accident insurance policy? A: The health insurance coverage includes hospital expenses, amounts of which vary according to the sum insured. There are 6 plans in total as detailed in the table below. A unitholder will have to invest at least 50,000 Baht upwards, the amount invested will determine the plan and coverage. The amount invested is calculated as total purchases outstanding (valued at cost) made by the unitholder; this amount must not drop below 50,000 Baht. Gain or losses in the NAV is not taken into consideration.

Units purchased on 25 Aug 2020 Insurance coverage starts 1 Oct 2020

Units purchased on 25 Aug 2020

Insurance coverage starts 1 Oct 2020

Units purchased on 1 Sep 2020

Duration of coverage

Redemption executed on 21 Sep 2020 Insurance coverage expires on 1 October

Unitholder places advance order on 17 Sep 2020

Redemptions executed on 21 Sep 2020

Insurance coverage expires on 1 Oct 2020

Coverage expires

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Table of Benefits

Sum Insured (Baht) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

Purchases totaling

50,000 to 149,999

Purchases totaling

150,000 to 499,999

Purchases totaling

500,000 to 1,499,999

Purchases totaling

1,500,000 to 4,999,999

Purchases totaling

5,000,000 to 9,999,999

Purchases totaling

10,000,000 upwards

1. Inpatient Benefits (IPD) 1.1 Room and board per day (max. 31 days/visit) Intensive Care Unit (ICU) (max. 7

days/visit) (max. number of days for regular room and ICU room combined is 31 days)

300

600

1,800

3,600

1,800

3,600

2,200

4,400

1,800

8,000

5,000

10,000

1.2 General hospital expenses per visit, including OPD medical care follow-up within 31 days after discharge from hospital) Ambulance/visit (included in item

1.2)

2,000

300

6,000

1,800

6,000

1,800

15,000

2,200

35,000

4,800

40,000

5,000 1.3 Surgical fee/visit (actual expenses incurred)

2,000 6,000 6,000 15,000 35,000 40,000

1.4 In-patient physician fee/day (max. 31 days/visit)

150 250 250 500 900 1,000

1.5 Specialist consultation fee/visit (included in item 1.2 or 1.3, as applicable)

500 2,000 2,000 3,000 5,000 6,000

1.6 Emergency OPD treatment for accident case, within 72 hours of an accident (includes 31-day follow up / included in item 1.2)

1,000 2,000 2,000 3,000 5,000 6,000

2. Outpatient Benefits (OPD) Medical care/visit/illness (max. 1

visit/day, 30 visits/year)

Not covered

Not covered

1,000 1,500 3,000 3,500

Accident Insurance Death, dismemberment, loss of

sight or hearing, permanent disability (P.A.1)

Not covered

10,000 10,000 10,000 10,000 10,000

Funeral expenses from accident or illness (for illness, a waiting period of 180 days applies)

Not covered

10,000 10,000 10,000 10,000 10,000

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Example (to illustrate in detail) Mr. A makes an initial investment of 100,000 Baht in the Krung Thai Happy Health Fund

- Mr. A is entitled to Plan 1 coverage - Subsequently, Mr. A makes an additional investment of 1,000,000 Baht. His insurance coverage plan will

be upgraded from Plan 1 to Plan 3. Coverage provided by the 6 Plans will be determined based on the total purchases outstanding made into the fund, as the balance rises or drops. If the unitholder has an accumulated total investment of 50,000 Baht or more but the unitholder was not approved by the insurance company, the unitholder will not receive any health or accident insurance coverage whatsoever. Remarks: If the insurance company does not approve and the unitholder decides to withdraw investment from the fund, the unitholder may redeem the units according to the prescribed redemption schedule. The order will be based on the NAV on the redemption date. An illustration of how the coverage plan is determined for the unitholder The coverage plan that the unitholder will receive is determined by the outstanding balance of total purchases Example 1 Entitlement to a coverage plan will be determined by the total purchases outstanding made by the unitholder (without accounting for gain/loss of NAV). The unitholder will continue to be covered by a particular plan regardless of whether the NAV declines below investment cost or not. As long as the total purchases outstanding meet conditions, the unitholder remains entitled to the benefits offered by the health insurance plan.

Transactions

Amt purchased / redeemed

(Baht)

Price: NAV /unit (Baht)

Number of units

Total outstanding

units

Total assets (Baht)

Total purchases outstanding

(Baht)*

Coverage Plan

Transaction 1 Buy 50,000 10 5,000 5,000 50,000 50,000 1

Transaction 2 Buy 100,000 20 5,000 10,000 200,000 150,000 2

Transaction 3 Redeem -50,000 15 -3,333 6,667 100,000 100,000 1

Transaction 4 Redeem -50,000 9 -5,556 1,111 10,000 50,000 1

* Total purchases outstanding = Amount purchased / switched into the fund – amount redeemed / switched-out, calculated at cost as shown in table.

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Conclusion: As shown in aforementioned table, after the 4th transaction, the unitholder will be receiving health insurance Plan 1. Example 2 The unitholder withdraws some of the units (either through redemption or switch-out order), causing total purchases outstanding to drop below the 50,000 Baht level. According to the fund scheme, KTAM will proceed to automatically redeem all of this unitholder’s remaining units simultaneously.  

Transactions Amt purchased

/ redeemed (Baht)

Price: NAV /unit (Baht)

Number of units

Total outstanding

units

Total assets (Baht)

Total purchases

outstanding (Baht)*

Coverage Plan

Transaction 1 Buy 50,000 10 5,000 5,000 50,000 50,000 1

- 0 12 0 5,000 60,000 50,000 1

- 0 35 0 5,000 175,000 50,000 1

Redeem -500 35 -14 4,986 174,500 49,500 0

Transaction 2 Compulsory Redemption

-174,500 35 -4,986 0 0 0 0

* Total purchases outstanding = Amount purchased / switched into the fund – amount redeemed / switched-out, calculated at cost as shown in table. Conclusion: As shown in aforementioned table, after the 2nd transaction, total purchases outstanding drops below the 50,000 Baht level after the redemption. KTAM will subsequently redeem all of the remaining units held by the unitholder simultaneously. Example 3 Change of coverage plan according to level of total purchases outstanding, when there is a purchase or redemption at a particular scheduled trading interval.

Transactions

Amt purchased / redeemed

(Baht)

Price: NAV /unit (Baht)

Number of units

Total outstanding

units

Total assets (Baht)

Total purchases

outstanding (Baht)*

Coverage Plan

Transaction 1 Buy 1,000,000 10 100,000 100,000 1,000,000 1,000,000 3

Transaction 2 Redeem -100,000 15 -6,667 93,333 1,400,000 900,000 3

Transaction 3 Buy 600,000 9 66,667 160,000 1,440,000 1,500,000 4

Transaction 4 Redeem -500,000 5 -100,000 60,000 300,000 1,000,000 3

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* Total purchases outstanding = Amount purchased / switched into the fund – amount redeemed / switched-out, calculated at cost as shown in table. Conclusion: As shown in aforementioned table, after the 4th transaction which is a redemption, the unitholder’s health insurance plan will be shifted down to coverage Plan 3. Example 4

Change of coverage plan according to level of total purchases outstanding, when there is a purchase or redemption instruction at a particular scheduled trading interval.

Transactions

Amt purchased / redeemed

(Baht)

Price: NAV /unit (Baht)

Number of units

Total outstanding

units

Total assets (Baht)

Total purchases

outstanding (Baht)*

Coverage Plan

Transaction 1 Buy 300,000 10 30,000 30,000 300,000 300,000 2

- 0 15 0 30,000 450,000 300,000 2

- 0 20 0 30,000 600,000 300,000 2

Transaction 2 Redeem -200,000 25 -8,000 22,000 550,000 100,000 1

* Total purchases outstanding = Amount purchased / switched into the fund – amount redeemed / switched-out, calculated at cost as shown in table. Conclusion: As shown in the aforementioned table, after the 2nd transaction which is a redemption, the unitholder’s health insurance plan will be shifted down to Plan 1. Q : Can a unitholder change his/her group health and accident insurance plan? A : A unitholder may change his/her coverage plan by altering the amount of his/her outstanding total purchases in the fund. - Whenever a unitholder purchases or redeems fund units, KTAM will inform the insurance company in order to update to the corresponding coverage plan according to the timing schedule prescribed (i.e. the 1st of the following month). KTAM reserves the rights to amend or rectify the coverage starting date; this does not breach the fund scheme and shall be considered to have already received consent from unitholders. KTAM will inform unitholders at least 7 days in advance by posting a notice on the company’s website. Under extraordinary circumstances or pressing need, KTAM may announce changes immediately.

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- If a unitholder makes a purchase or switch-in order that qualifies for the coverage to be upgraded, the unitholder will receive the upgraded coverage plan after the insurance company approves, according to terms and conditions prescribed by the insurance company. - If a unitholder’s insurance policy has expired but is set to receive new coverage, the new policy will be effective after the insurance company has given approval. If a unitholder makes an additional investment via a purchase / switch-in and is entitled to receive an upgraded coverage plan, the unitholder will receive the new upgraded plan only after the insurance company has made an approval. Meanwhile, the unitholder remains covered by the existing plan. Q : Can a unitholder who has already redeemed all previous holdings return to invest in the fund again? How will the insurance policy be arranged? A : This unitholder who previously had insurance coverage by the fund before will be entitled to receive insurance coverage again but the pre-existing chronic illness condition will not be reapplied by the insurance company to deny payment of benefit. Q : How is the coverage plan determined for a unitholder has several fund accounts or holds fund accounts with other selling agents too? A : Calculation of the sum insured will be based on the units that are associated with the unitholder’s ID number. For example, if the unitholder invests in the Krung Thai Happy Health Fund through more than 1 fund account or includes fund accounts with other selling agents, the insurance company will sum the total value of investments under that ID number when determining the coverage plan. See example below. • Mr. A invests 500,000 Baht in the Krung Thai Happy Health Fund under fund account number 5888 with Selling Agent A at Branch A. • Mr. A invests 1,000,000 Baht in the Krung Thai Happy Health Fund under fund account number 5999 with Selling Agent A at Branch B. • Mr. A invests 3,500,000 Baht in the Krung Thai Happy Health Fund under fund account number 1234 with Selling Agent B. The insurance company will offer coverage Plan 5 to Mr. A to reflect his total investments = 500,000+1,000,000 +3,500,000 = 5,000,000 Baht. Later, if Mr. A invests another 10 million Baht for a total accumulated investment of 15 million Baht, Mr. A’s coverage plan with be upgraded to Plan 6. If a unitholder has several fund accounts or includes fund accounts with other selling agents and his/her personal data records do not always match (i.e. name-surname is different due to name change, different contact address, etc.), KTAM will arrange and submit the selected personal data to the insurance company using the methodology below:

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1. Select data from fund account with largest purchase. 2. If largest purchases under different fund accounts are of identical amounts, select data from fund account based on earliest date that the Krung Thai Happy Health Fund was purchased among various fund accounts at selling agents and branches. 3. If investment amounts are identical and purchases were made at various outlets on the same day, KTAM reserves the rights to contact the unitholder to confirm the personal data which should be used to submit to the insurance company. 4. Or subject to KTAM’s discretion. Q: If the account is opened on behalf of the ultimate owner or opened as a joint account, which person will be entitled to receive the group health and accident insurance. A: If the account is opened on behalf of the ultimate owner or opened as a joint account, the insurance coverage will be tied to the ID number of the person whose name appears first. See examples below: - Account of Mr. A for child B - Account of Mr. A and/or Mrs. B The coverage plan will be linked to Mr. A. Q: If a unitholder transfers ownership of units to another person, will he/she still retain the group health and accident insurance coverage? A: The unitholder will continue to be protected by the existing group health and accident insurance coverage up until the scheduled interval at which KTAM updates unitholder data to the insurance company to update coverage plan. The existing coverage plan will not be transferred to the new owner. Q: Mr. A transfers units to Mr. B and Mr. B purchases additional units on his own. How will this affect the insurance coverage? A: Mr. A will no longer receive the existing group health and accident insurance coverage plan; the change will take place at the scheduled interval. However, if Mr. A still has remaining units that meets prescribed requirements, Mr. A will receive coverage in accordance with the amount of outstanding purchases remaining. As for Mr. B, the portion transferred to Mr. B. will be entitled to insurance coverage in accordance with the value of the transferred amount. If Mr. B purchases additional units, both the transferred amount and purchased amount will be summed to determined the coverage that Mr. B should receive. This will be according to terms and conditions prescribed by KTAM. Q: If a unitholder wishes to claim benefits offered by the group health and accident coverage plan, what does he/she need to do? A: A unitholder may claim benefits offered by the group health and accident coverage plan by following these procedures:

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Using the health insurance card with a hospital with contract arrangement with Dhipaya Insurance Public Co., Ltd.

Present your health insurance card together with your ID or driver’s license or any other ID issued by the government, to the staff of the hospital every time you make a visit.

For out-patient (OPD) hospital treatment (except treatment that is excluded), the treatment shall be readily accepted by the hospital.

In-patient (IPD) hospital treatment, the hospital staff will contact Dhipaya Insurance Public Co., Ltd. anytime throughout 24-hours.

For further enquiries, contact the Hotline telephone number which is on 24-hr availability.

If medical expenses are advanced by the unitholder (pay and claim basis)

The insurance policy holder may obtain treatment at a hospital which has contractual agreement with Dhipaya Insurance Public Co., Ltd. by presenting the health insurance card. The unitholder will only need to pay any amount which exceeds the hospital expense covered by the plan; the hospital will immediately collect the excess amount from the unitholder.

If the hospital expenses are advanced by the unitholder when receiving treatment with intention to claim later, he/she should keep receipts, original note from physician, copy of health insurance card, and send all of these documents through registered postal mail to:

Accident and Health Claims Department, Dhipaya Insurance PCL., 1115 Rama 3 Road, Chong Nonsi, Yannawa, Bangkok 10120. Tel: 1736 ext. 2414, 2081, 1905, 4190, 1970, 1907, 4192 and 4191

Note that Dhipaya Insurance Public Co., Ltd. will not cover medical expenses or losses arising from an injury or illness stemming from a medical condition that pre-existed before the insurance policy was issued such as a chronic illness or injury (including its side effects) or an untreated injury prior to the issuance of the insurance policy. This also includes waivers in this insurance policy that applies to cases in which the unitholder had overlooked certain information when submitting personal data and/or intentionally concealed the truth and/or submitted falsified information. The insurance company and KTAM reserves the rights to demand the return of benefit compensation from the unitholder which he/she had improperly claimed from the insurance company.

Dhipaya Insurance Public Co., Ltd. will process the claim and reimburse the unitholder via cheque or direct money transfer.

KT-LVTR-A 26

 

Procedures on how to use health insurance benefits at the hospital The unitholder must present the health insurance card, xerox copy of health insurance card, photo of health insurance card from the application or staff ID together with ID card or any other identification issued by the government before obtaining treatment at a hospital which has a contractual agreement with the insurance company. If the unitholder is a child under 7 years old, use a parent’s ID card which has been issued by the government. If the unitholder does not have / did not bring / or lost the health insurance card, but his/her data is present in the computer system, the insurance company can confirm coverage based on the unitholder’s name and surname and ID card number. However, if data is not found in the system, the hospital may call Hotline 02-660-1221 anytime 24 hours a day. For out-patient (OPD) hospital treatment (except treatments not covered), the treatment shall be readily accepted by the hospital. For in-patient (IPD) hospital treatment, the hospital staff will contact Dhipaya Insurance Public Co., Ltd. at anytime 24 hours a day. After receiving treatment, the unitholder will not be charged anything if the treatment cost does not exceed the coverage provided by the insurance. However, if the treatment cost exceeds the amount covered, the unitholder must pay the difference to the hospital immediately. ** For further enquiries, call the Hotline 02-660-1221 (anytime 24 hours a day) ** - Alternatively, if the unitholder paid / advanced the hospital treatment costs, the unitholder may obtain reimbursement for the amount covered by the insurance by submitting the receipt, original note from physician, together with copy of health insurance card through registered postal mail to: Accident and Health Claims Department, Dhipaya Insurance PCL., 1115 Rama 3 Road, Chong Nonsi, Yannawa, Bangkok 10120. Tel: 1736 ext. 2414, 2081, 1905, 4190, 1970, 1907, 4192 and 4191

KT-LVTR-A 27

 

TIP Flash Claim

Personal Accident and Health Claims Enquiry: Tel. 02-239-2840 (during office hours 8.30 - 16.30) Email: claim_ah@dhipaya.co.th Personal Accident and Health Claims Department, 15th Floor, 1115 Rama 3 Road, Chong Nonsi, Yannawa,

Bangkok 10120 Hotline for Accident and Health Claims (Dhipaya Care Card) 24/7 : Contact details shown on card. - Unitholders may enquire about the coverage plan by contacting

Dhipaya Insurance Public Co., Ltd., Call Center Tel. 1736 Press 4279 or 2946 - To receive benefit claims upon an insurance policy holder’s death, the beneficiary should directly submit a claim for compensation payment to the insurance company. The insurance company will process the claim and issue

Dhipaya Insurance Public Co., Ltd. is committed to create the best services using novel tools that allows us to respond quickly. Our mobile Application is one way we can respond and service your needs.

Download the Application

File a claim Follow up claim

Search Body-shop / Hospital / Branch Contact staff

KT-LVTR-A 28

 

a cheque or transfer money directly to the beneficiary within 7 days after the insurance company receives the application and all supporting documents. For any reason, if the claim for compensation payment appears to be unaligned with the coverage stated in the insurance policy, the processing of the claim may be delayed as needed, but not exceeding 90 days after the insurance company has received all the necessary supporting documents. The insurance company will issue a cheque or transfer money directly to the beneficiary.

Q : Where can a unitholder ask for further details of the group health and accident insurance? A : Contact the insurance company through methods shown below: Dhipaya Insurance Public Co., Ltd. Hotline for Health and Accident Insurance (Dhipaya Care Card) 24/7 : Contact details shown on card. Mobile Application TIPinsure

Personal Accident and Health Claims Enquiry: Tel. 02-239-2840 (during office hours 8.30 - 16.30) Email: claim_ah@dhipaya.co.th Personal Accident and Health Claims Department, 15th Floor, 1115 Rama 3 Road, Chong Nonsi, Yannawa,

Bangkok 10120 Q : What is not covered by the group health and accident insurance offered by the fund? A : The insurance company will not pay compensation benefits for exclusions stated in the policy, as explained below:

1. Chronic illness, injury or illness which has not yet been treated prior to issuance of the insurance policy, congenital illness or developmental deficiencies or genetic illness.

2. Medical treatment or surgery for cosmetic/beauty purposes, treatments for skin appearance such as acne, discolorations, freckles, dandruff, balding or weight control or non-essential surgery (except when needed to mend a wound caused by accident that is covered by the insurance).

3. Pregnancy, miscarriage, abortion, birth, complications from pregnancy, infertility treatments (both diagnosis or treatment), sterilization or birth control.

KT-LVTR-A 29

 

4. AIDS or venereal disease or other sexually-transmitted diseases. 5. Treatment, protection, drugs or medications used to slow the aging process; hormone replacement

therapies or treatments against sexual disfunctions in women or men, sexual disorders, or sex reassignment surgery.

6. General medical checkup, voluntary request to be admitted into hospital / medical-facility / clinic, voluntary request for surgery, voluntary request for rehabilitation or treatment through rehabilitation, medical diagnosis not directly related to an illness or condition being treated at the hospital / medical-facility / clinic. Diagnosis of an injury or illness or treatment / analysis that are deemed medically non-essential or not typically performed as standard medical procedure.

7. Diagnosis of irregularities with vision, laser-based eye surgery, apparatus to assist or correct irregularities with one’s vision.

8. Dental treatment or surgery for teeth and gums, dentures, crowns, root canals, braces, fillings, plaque removal, extraction, and implants, unless the dental treatment is undertaken as part of an accident injury treatment (dentures, crowns, root canals and implants not covered).

9. Treatment or rehabilitation for narcotic drugs, smoking, alcoholism, and substances that alter mental states.

10. Psychological treatments, treatments for mental problems or behavioral therapies, including hyperactivity, depression, stress, eating disorders or schizophrenia.

11. Treatments in the diagnosis stage. Treatments for illnesses related to sleep apnea or sleeping disorders or snoring.

12. Vaccinations, unless vaccination given as precaution against rabies after being attacked by an animal or vaccination against tetanus after suffering injury.

13. Non-modern medicine or alternative medicine. 14. Medical expenses for treatment that the policy holder, who is a physician, prescribed for oneself. This

includes medical expenses for treatment for a policy holder by a physician who happens to be one’s own mother, father, spouse, or son/daughter.

15. Suicide, attempted suicide, self-inflicted injuries, or attempt to cause self-inflicted injury, regardless of whether action is taken by oneself or arranged to have others inflict on oneself. This applies regardless of whether one was in a stable mental state or not, at the time. This also includes accidents stemming from the policy holder having consumed or injected substances into one’s body or overdosed on medication.

16. Injury caused by action of the policy holder while intoxicated or under the influence of narcotics or illegal substances which impaired one’s mental state. One would be considered “intoxicated” if blood tests reveal an alcohol level of 150 mg/DL or more.

17. Injury caused by the policy holder initiating or contributing towards a fight or scuffle. 18. Injury stemming from the policy holder committing a serious crime, or while in police custody, or while

escaping police arrest.

KT-LVTR-A 30

 

19. Injury stemming from the policy holder participating in a car race, boat race (all kinds), horse race, ski race (all kinds), jet ski race, boxing match, parachuting (unless done for survival to escape harm), mounting/dismounting or travelling on a hot air balloon or glider, bungee jumping, or scuba diving.

20. Injury stemming from the policy holder mounting/dismounting or travelling on an aircraft which is not a registered passenger aircraft and not operated by a commercial airline.

21. Injury stemming from the policy holder performing one’s duty as a regular pilot or staff of an aircraft. 22. Injury stemming from the policy holder performing one’s duty as military / police / or volunteer personnel

in a war or combat operation. 23. War, invasion, attack by a foreign enemy or warlike threat, regardless of whether declared or not, or civil

war between groups residing in the same country. This includes aggression, rebellions, riots, strikes, uprisings, revolutions, coups, enactment of martial law, or any other event that prompted the enactment or sustaining of martial law.

24. Terrorism. 25. Radiation exposure or radiation emitted by nuclear fuel or other nuclear sources stemming from fission

or radioactive decay. 26. Radiation or nuclear explosions or harmful materials emitted from a nuclear blast.