installment payment, along with more relaxed conditions and fewer documents required. Meanwhile, we shifted our focus to home loan refinance and K-Home for Cash to cope with the slowdown in housing loan after

interest rates plus other benefits for customers seeking to buy a new home and to refinance their mortgage in order to cope with the slowdown in housing loan after the implementation of new loan-to-value

material modern trade retailers have continued to invest in their expansion and opened more branches, as well as development of new residential housing project by the group of project customers.

the company's products are existing projects. There is also a matter of measures for housing loans that were officially adopted in April 2019. Causing the purchasing power and customers' purchasing

recovery. Accordingly, the Corporate Group has already prepared product inventory in order to deliver to the modern retail building material stores. Nonetheless, the recovery of project housing customer

business performance as a whole. The Company and its subsidiaries will closely monitor and control the operation to achieve our turnaround plan as set.

close management and monitor of performance of over 1,500 personnel in on-ground marketing teams and cash van sales force to promptly action on any changing circumstances in order to bond good relations

Company and its subsidiaries will closely monitor and control the operation to achieve our turnaround plan.

will continue to focus on improving the operational performance of our assets. Of particular focus will be Vienna House where we will continue to monitor currency fluctuations and take appropriate steps

overall costs down. OSP will continue its Fit Fast Firm project deliverables which will monitor all dimensions including raw material and packaging costs, packaging optimization, formulation optimization