Company still had current ratio 1.34 times and debt to equity ratio 0.38 times, shown that its sufficient liquidity and strong financial position. Please be informed accordingly, Yours Sincerely, DOD

13 November 2020 Subject Management Discussion and Analysis for the Nine months ended September 30, 2020 To The President The Stock Exchange of Thailand Do Day Dream Public Company Limited (the

Company and its Subsidiaries GPSC - Q2/2020 Management Discussion and Analysis (MD&A) 17 Total Asset (THB million, %) Total Interest-Bearing Debt (THB million) -1% -1% Total Assets As of 30 June 2020, total

199.76 million. Therefore, portions of company shareholding interest and non- controlling interest of subsidiary stood at Baht 1,418.36 million and Baht 197.37 million respectively. Debt to Equity ratio as

(THIS REPORT DISCUSSES THE PRINCIPAL CHANGES IN THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER

(THIS REPORT DISCUSSES THE PRINCIPAL CHANGES IN THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED

Company Limited 4 Having a director in common Trade receivable (Less) Allowance for bad debt expense Trade receivable – Net Dividend Paid (Legal Execution Department) 13.34 (13.34) 0.00 0.07 4 The Company

increase The Company will use funding from warrant issuance totaling Baht 2,600 Million, if all warrant holders exercise their right, for working capital and debt repayment approximately Baht 3,600 Million

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED AND UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE SECOND

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED AND AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE SECOND