Accounts Classified to Bank of Thailand Criteria June 2018 March 2018 December 2017 June 2018 March 2018 December 2017 Normal 1,954,459 1,853,402 1,875,782 15,952 14,550 14,983 Special mentioned 32,710

2018 December 2017 Normal 1,905,406 1,954,459 1,875,782 15,491 15,952 14,983 Special mentioned 37,087 32,710 45,815 572 490 591 Substandard 7,416 14,259 11,760 2,137 7,261 5,275 Doubtful 22,963 16,801

expenses 58 298 105 81.0 (64.8) ● Other operating expenses on Q1/2020, Baht 681 million, decreased by 22. 7% in comparison to Q1/2019 mainly due to lower expenses on employees’ benefit and special business

healthcare professionals from Faculty of Medicine, Prince of Songkla University, Had Yai, Songkhla province to fly on a special flight, Hat Yai - Phuket to the second field hospital of Prince of Songkla

rate for customers, both retail and corporate, and offering special interest rate for customers who were impacted directly and indirectly by COVID-19 pandemic as well as providing assistance to customers

expenses on employees’ benefit and special business tax from debt payment received from a major debtor in Q1/2019 Expected credit losses (2019: Bad debts and doubtful accounts) For the three-month period

December 2019 December 2019 Normal 1,918,520 16,119 Special mentioned 67,596 848 Substandard 9,783 1,359 Doubtful 14,522 6,259 Doubtful of loss 54,901 30,087 Total 2,065,322 54,672 Add Excess allowance for

Normal 1,871,968 1,892,343 1,962,102 15,412 15,547 16,215 Special mentioned 47,660 48,013 46,501 558 596 591 Substandard 11,901 15,259 5,460 4,498 3,503 1,018 Doubtful 22,016 15,881 20,884 9,319 5,597

trust instrument to inform investors of the REIT’s operational guidelines for such matters as organizing unitholders’ meeting, seeking unitholders’ resolution through normal and special procedures, rights

an approval, the special interest of such independent director shall also be indicated; (d) a resolution of shareholders’ meeting approving an offer for sale of warrants at discount shall be passed