Re: Rules for Approval of Foreign Company to Offer for Sale of Newly Issued Debt Securities in Thai Baht

Determination of Definitions in the Notification Relating to Issuance and Offer for Sale of Debt Securities (No. 4)

Determination of Definitions in Notification relating to Issuance and Offer for Sale of Debt Securities (No. 3)

Re: Application Form for Permission for Offer for Sale of Newly Issued Debt Securities and Reporting (No.2)

had loan amount of Bt89mn. Business Overview In FY2019, FSMART (or the “Company”) is still the number 1 leader in online top-up kiosk business in both total transaction amount and the number of kiosks

-performing Debt management Business The growth of JMT's performance, the leader in Non-performing loan management, causes the group's operating results to grow continuously and is considered as the core of the

, FSMART (or the “Company”) is still the leader in online top-up kiosk business in both total transaction amount and the number of kiosks, covering all area nationwide. The Company’s key strategy focuses on

of Thailand (SEC). I, the leader and authorized director of ……………………………………….……... (name of the audit firm), hereby certify and consent as follows; 1. I certify that the audit firm has audit quality

Business Leader and Asia’s Financial Institutions Segment Leader, Mercer (Thailand) Limited5. นางณัฐญา นิยมานุสร ผู้ช่วยเลขาธิการ ก.ล.ต.นางวรัชญา ศรีมาจันทร์ รองเลขาธิการ ก.ล.ต. ร่วมบรรยายในช่วงประชุมเชิง

Net operating debt to equity at 0.61 times with strong operating cash flow. Dividend payout remain much higher than its stated policy of 30% of net profits. Perpetual debenture of THB 15b refinanced at