financial statements and the operating results of the Company and its subsidiaries in the first quarter of 2019, which were reviewed by the Company’s auditor. The conclusion was as follows: Overview and

languages, the Thai version shall prevail. The objective of this MD&A is to present the information and the explanation of financial status and operating results as of the date hereof. However, the

operating result (%) Y2019 Y2018 %YoY Gross profit margin (%) 43.44% 40.90% 2.54% Selling expenses and administrative expenses to total revenue (%) 44.67% 40.49% 4.18% Net profit margin (%) 0.83% 2.64% -1.81

(Translation) UAC.CS/010/2019 May 10, 2019 Subject: Explanation of the operating results for the first quarter period ended March 31, 2019 To: President The Stock Exchange of Thailand Attachment

1 August 14, 2020 Subjects : Clarification of operating results for the Q2/2020 Attention

version shall prevail. The objective of this MD&A is to present the information and the explanation of financial status and operating results as of the date hereof. However, the information provided in this

both house brand and other brand products. During 2018, the Company opened 2 branches i.e. Rayong branch (which started operating since 1 November 2018) and Diana branch (which started operating since 7

13 November 2019, had approved the financial statements and the operating results of the Company and its subsidiaries in the third quarter of 2019 ended 30 September 2019, which was reviewed by the

Company Limited is a non-operating holding company and a parent company of the financial business group consisting of the following companies:  LH Financial Group Public Company Limited  Land and Houses

(“Company”) would like to notify the operating result stated in consolidated financial statements for the third Quarter period ended September 30, 2020 compared with the same period of 2019. For the operating