expert shall not exceed fifty thousand baht per dispute and shall be classified as part of the expense of the arbitral proceeding under Clause 36. Clause 23. If the claimant does not appear in the first

August 2018 also turned Chalarm sales to near breakeven (-0.7% YoY in 2018, improved from -15% YoY pre-launch to +18.0% YoY post launch of Chalarm Black Galingale). Also, M-Presso (NPD launched in February

to ease burdens of our customers seeking to purchase new or pre- owned homes, and to refinance their mortgage. We also partnered with property developers which received pre-finance assistance from

Company. The Granting of Loan Transaction is classified as a Class 5 Connected Transaction, i.e., an offer of financial assistance, pursuant to the Notification of the Capital Market Supervisory Board No

institutional investor that have to classified as the liabilities amounting to THB 1,004.92 million. Moreover, due to the fact that convertible debentures issued, the Company has sufficient capital and can repaid

housing loan for purchase of new or pre- owned homes, and a mortgage refinance product with long-term flat or preferential interest rates under special conditions, offering an extra-low monthly payment plan

activities with property developers who received pre-finance assistance from KBank in order to launch special loan campaigns for homebuyers of participating projects. (2) K-Credit Card: Focus was on customer

(CHINA) CO., LTD. 4 4 SME Business Center 2) 147 146 Branches 3 3 International Trade Service Center 58 58 Representative Offices 7 8 Cheque Direct Service 20 20 Note: 1) Excluding 8 branches, classified

-CDM (Cash Deposit Machines) 2,618 2,615 K-PUM (Passbook Update Machines) 1,099 1,131 Note: 1) Excluding 9 branches, classified as other branch platforms per the Bank of Thailand’s conditions 2

Loan. For K-Home Loan, we focused on new loans, especially post-finance granted to homebuyers of property developers that received pre-finance assistance from KBank, in Bangkok and other strategic