No. 256111002 14 November 2018 Subject: Management Discussion and Analysis for the third quarter ended 30 September 2018 To: President The Stock Exchange of Thailand M Vision Public Company Limited

: Equal score to last year?s assessment due, in part, to little progress on regulatory reform over the past two years. In addition, the SEC and the Stock Exchange of Thailand (SET) were advised to enhance

Machines for the Debenture Debt repayment To: President The Stock Exchange of Thailand Enclosure: Information Memorandum on the Asset Disposal, Schedule 1 of Rich Asia Corporation Public Company Limited

สารสนเทศข่าว มติ BOD 5-60 Final 20171126 En No. NDR013/2017 Subject Resolution of the Board of Directors’ Meeting To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum on 2

outstanding of US dollar debts and payable while THB and VND depreciation against US dollar during this period; note that this is non-cash item and the US dollar debts were arranged for natural hedge with our

13_MDA Q1_2563 EN -Translated Version- No. ECF2 018/2020 May 15, 2020 Subject: Management Discussion and Analysis of the 1st quarter ended 31 March, 2020 To President The Stock Exchange of Thailand

attending the meeting and having the right to vote without any objection on the proposed offering 1 Market price means the weighted average price of the Company’s ordinary shares traded on the Stock Exchange

Exchange of Thailand (the “SET”) for 7 consecutive days prior to the date on which the Board of Directors resolved to propose the said offering for approval at the Extraordinary General Meeting of

Management Overall, movements in foreign exchange continued to see the Thai Baht strengthen in the third quarter of 2019 compared to the preceding quarter. The creeping trade protectionism adopted by the US

outstanding loans under financial assistance, all of which are in the retail lending segment. Of these, around 70% have been able to make repayments after the end of the relief period. As for non-retail