ให้ RML ปฏิบัติฝ่าฝืนกฎหมาย นายสถาพรจึงต้องรับผิดกรณี RML ปกปิดข้อความจริงเกี่ยวกับข้อมูลการปรับลดข้อมูลผลการจัดอันดับเครดิตองค์กร ("credit rating") ซึ่งควรบอกให้แจ้งในแบบ Filing ในสาระสำคัญ

: Date of agreement: Agreement with AEON Credit Service Systems (Philippines) Inc. is within May 2017. Contractual parties with AEONTS and its subsidiaries companies: Company Business Relationship with

situation. As of November 30, 2018, the Company’s total cards reached 8.43 million cards, increased by 4% from the end of fiscal year 2017 (including 2.59 million credit cards, increased by 4% and 5.84

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

% on the date of the transaction Criteria Use in Determining Value of the Transaction Using replacement cost value appraised by Simon Lim & Partners Company Limited, a Real Estate and Machinery Valuers

replacement cost value appraised by Simon Lim & Partners Company Limited, a Real Estate and Machinery Valuers. 6. Transaction Size According to Notification of Connected Transaction The Transaction is

appraised by an independent appraiser approved by the Thai Valuers Association. The rates are determined by the service provider. 1.5 Details of connected parties PTT Public Company Limited, the major

at cost on acquisition date in March 2012, appraised by Modern Property Consultant Co., Ltd. who is independent appraiser approved by the SEC has determined the market price base on the way to compare

, Laemchabange Industrial Estate and Pinthong Industrial Estate because it is necessary for the company. Must buy the purchase price of land and buildings from connected persons in a fair price reason by appraised

from connected persons in a fair price reason by appraised value of the assets. 9. The Opinion from Audit committee and/or Director of the Company which has different opinion from the board of the