Thailand's Private Sector Collective Action Coalition Against Corruption’s Certificate LH Financial Group Public Company Limited, Land and Houses Bank Public Company Limited and Land and Houses Fund Management

.) growth in private consumption supported by higher household income in both agriculture and non- agriculture sectors along with recovering consumer confidence; 2.) solid performance in the tourism sector

) A capital increase – issuance and offering 400 million new ordinary shares to institutional investors by way of Private Placement, and b) Issuance of new debts – issuance and offering convertible

capital increase – issuance and offering 400 million new ordinary shares to institutional investors by way of Private Placement, totaling approximately Bt1,664mn, and b) Issuance of new debts – issuance and

of city shutdown measures both at home and abroad Which results in more economic activity to be carried out the indicators for private consumption have returned to the same level as the same period

increase of registered capital, the issuance and the allocation of the newly-issued shares to specific persons (Private Placement) and the convening of the Extraordinary General Meeting of Shareholders No. 1

Acquisition of Assets and the Connected Transaction 2. Information Memorandum regarding the offering of the newly issued ordinary shares to specific investors (Private Placement) 3. Capital Increase Report Form

Margin (%) 2.33 2.40 2.50 Current Ratio (Times) 1.34 1.43 1.43 Debt to Equity Ratio (Times) 2.16 1.79 1.82 Book Value per Share (Baht) 2.16 2.22 2.34 Net Profit per Share (Baht) 0.46 0.45 0.12 Interim

1. 1 percent even though the overall economic condition has continued improving from preceding year according to rapid export growth and continued robust growth in tourism. However, private

Margin (%) 2.33 2.40 2.35 Current Ratio (Times) 1.34 1.43 1.43 Debt to Equity Ratio (Times) 2.16 1.79 1.81 Book Value per Share (Baht) 2.16 2.22 2.25 Net Profit per Share (Baht) 0.46 0.45 0.43 Yearly