QUARTER ENDED 30 JUNE 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017 Page 2/23 Overview of Business Operation LH Financial Group

sale” means the selling of securities where delivery is made with borrowed securities; “Business operator” means a person licensed to undertake securities business in the category of securities borrowing

delivery is made with borrowed securities; “Business operator” means a person licensed to undertake securities business in the category of securities borrowing and lending (SBL); “Central securities

Notification: “Short sale” means the selling of securities where delivery is made with borrowed securities; “Business operator” means a person licensed to undertake securities business in the category of

PUBLIC COMPANY LIMITED KPMG PHOOMCHAI BUSINESS ADVISORY COMPANY LIMITED KPM SECURITIES COMPANY LIMITED CREDIT SUISSE SECURITIES (THAILAND) COMPANY LIMITED CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK

. Although this circumstance is not a normal transaction of the Company, the Company had to issued credit notes and received program rights return of Baht 220 million to maintain business relations with the

Management Discussion and Analysis for the Second Quarter of Year 2020 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the

849.62 Increase(Decrease) (2.39) 65.91 4.62 74.26 142.40 Compared revenue for 6 months (Million Baht) 3 of 8 Operating results classified by business are as follows: Management service business Revenue

the par value of THB 5 per share, to Asia Credit Opportunities I (Mauritius) Limited (“ACO I”), a juristic person under the control of SSG Capital Holdings Limited (“SSG CH”), SSG Capital Partners III

cash with 30 days of credit term The reason In order to reduce outstanding of unused equipments and create maximum benefits for the Company and its subsidiary, CCET sold unused equipments to KPPH. 2nd