original shares to return them to the client. (3)  In December 2017, Nutnicha borrowed money from a client, claiming that she would place shares as collateral when in fact she did not have the shares in

} did not inform nor have the customer sign to confirm unit purchase orders inconsistent with the customer's risk profile. Moreover, she misled the customer into believing that an estimate return rate was

from a financial institution. Financial Ratio Analysis Financial Rate 31-Mar-18 31-Mar-17 Gross Profit Rate (Percentage) 45.0 45.3 Net Profit Rate (Percentage) 4.5 4.8 Return on Equity (Percentage)* 18.4

0.20 million baht which gained a short-term loan from a financial institution for the purchase of new land located on Rama 3 road and it has completely paid a return gradually. According to the above

Statement year ended December 31, 2019 Both of return on assets and return on equity of 4Q19 improved yoy. driven by the sustainable profit and higher dividend payout ratio. From the financial risk

approved due to the fact that the transaction has appropriate return at acceptable risk. Page 2 of 2 Please be notified accordingly. Yours truly, - Signature - (Mr. Surin Tanticharoenkiat) Company Secretary

. Board’s Resolution for Approval of this Transaction The Board approved due to the fact that the transaction has appropriate return at acceptable risk. Please be notified accordingly. Yours truly

IPO proceeds. Return on Assets and Return on Equity improved from 6%-8% during 9M16 to 11%-12% yoy. It was driven by the outstanding profit and the Company’s consistent dividend payment. In respect of

% Non-controlling interest 75.40 50.81 48% Total shareholders' equity 1,666.39 1,541.05 8% Page 4 of 4 Ratio Analysis Financial Statement year ended December 31, 2017 Return on Assets and Return on Equity

leads to product development and finally expanding company business, increasing sales growth and profit return in the future Please be informed accordingly. Yours Sincerely, (Mr. Suchat Mongkhonaripong