, including domestic and global economic policies. Relevant actions taken are as follows:  Establishment of the Risk Oversight Committee to increase level of independence of risk governance structure and

PTT Position in Thai Oil Mr. Atikom Terbsiri Director / Member of the Risk Management Committee Senior Executive Vice President President and Chief Executive Officer / Director /Member of the Risk

Directors 2. Mr. Sitthichai Chantravadee Independent Director / Chairman of Audit Committee 3. Mr. Sillapaporn Srijunpetch Independent Director / Audit Committee member 4. Mr. Suraphol Pluemarom Independent

6. The opinions of the Audit Committee and / or the directors that are different from the opinions of the Board of Directors -None- Please be informed accordingly. Yours faithfully, Filter Vision

” section on KBank’s website. 9 Risk Management Structure Board of Directors Audit Committee Risk Management Committee Risk Management and Control Units Credit Risk Management Sub-committee Credit Process

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Office of the Securities and Exchange Commission No. Sor Nor. 87/2558 Re: Rules, Conditions, and Procedures for Management of Retail Funds, Mutual Funds for Accredited Investors, Mutual Funds for Institutional Funds, and Private Funds ______________________ By virtue of Clause 6, Clause 8, and Clause 9 of the Notification...

Chairman of the Board of Directors THB 80,000 / month THB 80,000 / month Chairman of the Audit Committee THB 66,700 / month THB 66,700 / month Vice Chairman of the Board of Directors THB 66,700 / month THB

, accurate and complete. 7) Opinions of the Audit Committee and / or directors that are different from the opinions of the Board of Directors On February 2 5 , 2 0 2 0 , the Audit Committee meeting considered

Audit Committee and/or Directors of the Company that different from the Board of Directors opinion; The Company convened Audit Committee’s Meeting No.1/2020 on 25 February 2020 in order to consider such

Transaction is appropriate and will be beneficial to the Company for the reasons mentioned in Item 8. 11. Opinion of the Audit Committee and/or Directors of the Company, which Differ from the Opinion of the