UNION INSURANCE PUBLIC COMPANY LIMITED BANGSAPARN BARMILL PUBLIC COMPANY LIMITED BANK OF AYUDHYA PUBLIC COMPANY LIMITED BANPU POWER PUBLIC COMPANY LIMITED BANPU PUBLIC COMPANY LIMITED BCPG PUBLIC COMPANY

Page 1 of 4 11 November 2019 Subject : Management Discussion and Analysis Quarter 3 Ending 30 September 2019 To : The President The Stock Exchange of Thailand WICE Logistics Public Company Limited

โฮลดิ้งส์ จำกัด (มหาชน) BTW: บริษัท บีที เวลธ์ อินดัสตรีส์ จำกัด (มหาชน) BUI: BANGKOK UNION INSURANCE PUBLIC COMPANY LIMITED BWG: BETTER WORLD GREEN PUBLIC COMPANY LIMITED BYD: BEYOND SECURITIES PUBLIC

-1 56-2 Ranking UMI THE UNION MOSAIC INDUSTRY PUBLIC COMPANY LIMITED Filing FinancialStatement 56-1 56-2 Ranking UAC UAC GLOBAL PUBLIC COMPANY LIMITED Filing FinancialStatement 56-1 56-2 Ranking UBIS

to misappropriate 80.1 million Baht from Rayong Wire Industries, an Eastern Wire subsidiary, through a contract for advanced procurement of raw materials with Union Gas and Chemicals Co., Ltd. in 2004

Miss Malinee Leopairat Miss Malinee Leopairat, the Executive committee chairman responsible for the operation of The Bangkok Union Insurance Public Co., Ltd (BUI),was liable for BUI’s failure to

Miss Malinee Leopairat Miss Malinee Leopairat, the Executive committee chairman responsible for the operation of The Bangkok Union Insurance Public Co., Ltd (BUI),was liable for BUI’s failure to

Miss Malinee Leopairat Miss Malinee Leopairat, the Executive committee chairman responsible for the operation of The Bangkok Union Insurance Public Co., Ltd (BUI),was liable for BUI’s failure to

Miss Malinee Leopairat Miss Malinee Leopairat, the Executive committee chairman responsible for the operation of The Bangkok Union Insurance Public Co., Ltd (“BUI”),was liable for BUI’s failure to

Miss Malinee Leopairat Miss Malinee Leopairat, the Executive committee chairman responsible for the operation of The Bangkok Union Insurance Public Co., Ltd (BUI),was liable for BUI’s failure to