statement and enclosures hereto. I/We hereby certify that all of the aforementioned documents contain the information which is correct, accurate, and complete in all respects. I/We also certify further that

registration statement and enclosures hereto. I/We hereby certify that all of the aforementioned documents contain the information which is correct, accurate, and complete in all respects. I/We also certify

documents contain the information which is correct, accurate, and complete in all respects. I/We also certify further that the said documents neither contain any false or misleading statement in materiality

the information which is correct, accurate, and complete in all respects. I/We also certify further that the said documents neither contain any false or misleading statement in materiality nor omission

that should be disclosed; (2) have the translator certify that the substance of the translated information or documents is accurate and consistent with the substance of the original. Clause 10 The

decline could be attributed to an increase of Baht 1,493 million or 16.36 percent in our impairment loss on loans and debt securities to cope with economic uncertainties. Operating profit before provision

personnel. I hereby certify that the above statements and the supplementary documentation attached herewith are complete, accurate and true. Sincerely, Signature

personnel. I hereby certify that the above statements and the supplementary documentation attached herewith are complete, accurate and true. Sincerely, Signature

accurate information according to the facts. JKN is also required to submit the rectified financial statements that have been audited by the auditor to the SEC and simultaneously report the disclosure of

importance of disclosed information that is accurate, reliable, clear, and timely to enhance trust and confidence in the Thai capital market and attract both domestic and international investors.Mrs. Pornanong