: Management Discussion and Analysis for the year ended 31 December 2017 To : The President The Stock Exchange of Thailand Summary of the Company’s Financial Position and Operating Result for the year ended 31

OISHI MD&A Q3-2020_EN 1/5 No: SN. 117/2020 11 August 2020 Subject: Management Discussions and Analysis for the three-month and nine-month periods and Financial Position ended June 30, 2020 Attention

คำอธิบายและการวิเคราะห์ของฝ่ายจัดการ 8 November 2019 Re: To clarify the financial statements as of 30 September 2019 To: President The Stock Exchange of Thailand As WHA Corporation Public Company

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

recession due to the COVID-19 pandemic. Economic activity was crippled almost across the board in light of lockdown measures implemented in several countries to contain the viral transmission. Financial

growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial Institutions Policy Committee announce to decrease the policy rate to 1.25% per year that

analysis report of the financial positions and result of business operations differences more than 20% compare to the previous year. To : Board of Governors and the President of The Stock Exchange of

any facts that are material. 3. Opinions of the independent expert on the entering into the transaction The Company has appointed Capital Advantage Company Limited as the independent financial advisor

1 January 2020. Under this standard specified that the Company must to book some rental agreement to financial lease, as a result interest expenses occurred about Baht 3 million. Income tax Income tax

Limited), the appointment of the independent financial advisor, the determination of the date of the Extraordinary General Meeting of Shareholders No. 1/2019, and the determination of the date on which the