Securities and Exchange Commission concerning the Approval of Investor Contact Person and Standards of Conduct; “Online Branch” means a branch office that provides a self-service platform for customers through
the leader of online top-up machine market both in terms of total usage amount and the number of kiosks, covering all area nationwide. The Company's strategy continues to emphasize on efficient location
of ‘’Boonterm kiosk” as the period ended (Kiosks) 79,608 85,656 92,082 100,022 110,563 In 2Q17, FSMART is able to maintain as the leader of online top-up machine and continues to expand Boonterm kiosk
of ‘’Boonterm kiosk” as the period ended (Kiosks) 85,656 92,082 100,022 110,563 119,166 In 3Q17, FSMART is able to maintain as the leader of online top-up machine and continues to expand Boonterm kiosk
and medium-sized enterprises (SMEs), are having to brace for regulatory changes as well. These include the single-account scheme, taxation of funds transfer for online purchase, and a land and building
online channels to continue to operate, although this was not sufficient to compensate for the losses resulting from the closure of stores. However, consumer demand for our products has continued
services to be efficient and accommodate airline passengers; payment channel, online check-in, mobile application, repayment service and reservation vis website and call center. 3. In August 2019, the
shops or online shopping with convenience. LH Financial Group Public Company Limited Management Discussion and Analysis for the year ended 31 December 2019 Page 7/22 3.5 Deposit, Withdrawal and Loan