the Office of the Securities and Exchange Commission  OrThor. 21/2543 Re: Guidelines for the Operation Control for the Securities Brokerage and Dealing of Securities That are Not Debt Instruments   11

  OrThor. 21/2543 Re: Guidelines for the Operation Control for the Securities Brokerage and Dealing of Securities That are Not Debt Instruments   11/10/2000 2. Circular   12/2545    22/03/2002    Contact The

Office of the Securities and Exchange Commission  OrThor. 21/2543 Re: Guidelines for the Operation Control for the Securities Brokerage and Dealing of Securities That are Not Debt Instruments   11/10/2000

March 2020 compared to 31 December 2019: 4. Financial Ratios Note: 1) Net Debt = Interest bearing liabilities – cash and cash equivalents 2) Leverage Q1 and FY use annualized EBITDA for the previous 4

the increase of interest-bearing debt. Please be informed accordingly Sincerely yours, (Mr.Suriya Poolvoralaks) Executive Director and Managing Director

million baht decrease (1.83) million baht or (28.48%) because in the year 2019, the company has income from the compensation. 4. Bad debt and doubtful accounts (reversal) in the amount of 14.92 million baht

348.8 MB respectively, equivalent to 50.8% and 63.8% respectively of the total Liabilities. Current Liabilities as of year 2019, mainly due to an increase of debt under trust receipt. 2. Non-current

expenses equal to 636.7 million baht, 12.8 % increasing. This is due to the allowance of provision in distress debt management business and personal loan business. Finance Cost The company had total

debt. As of November 30, 2020, the Company’s total cards reached 9.11 million cards, including 2.91 million credit cards, and 6.20 million-member cards. The Company has active customers more than 2

%, slightly increasing from the previous quarter. However, substance economic challenges are remained as a result of policy interest rate increment, high household debt level increasing from 86.3% to 90.6% in