) (28.74) (297.05) (21.66) (137.55) 46.31 8 Income tax (expense) income 11.37 0.75 (23.48) (1.71) 12.11 (51.58) 9 Net Profit (Loss) (423.23) (27.99) (273.57) (19.95) (149.66) 54.71 10 Net profit (loss)owners

15.3% Administrative Expenses (34.5) (8.4) 308.8% Finance Costs (76.9) (93.7) -17.9% Share of Profit from Investments in Associates and Joint Ventures 339.2 659.2 -48.5% Income Tax Expense (6.3) (6.8

) before income tax (296.67) (110.47) (37.98) (10.16) (258.75) 682.36 8 Income tax (expense) income (1.89) (0.70) 2.94 0.79 (4.83) (164.29) 9 Net profit (loss) (298.56) (111.17) (34.98) (9.37) (263.58

because in Q3-2020, an allowance for expected credit losses on long-term receivables was recorded and there was also a directors' bonuses expense, which has been approved at the shareholders' meeting on

(278.22) (103.60) (20.01) (5.36) (258.21) 1,290.40 6 Financial cost 18.45 6.87 17.91 4.80 0.54 3.02 7 Profit (loss) before income tax (296.67) (110.47) (37.98) (10.16) (258.75) 682.36 8 Income tax (expense

operating result in 3Q2020, the total transaction amount was Bt9,987mn, increasing 10.1% QoQ. The total usage amount increased from both top up and payment services by bt6,895mn. and the money transfer

% 25.0% Finance costs (30) -1.3% (56) -1.8% 86.7% Income tax expense (59) -2.6% (66) -2.1% 11.9% Net profit 420 18.7% 543 17.5% 29.3% Total revenue FSMART’s total revenues from core business was Bt3,105mn

12.4% YoY. Business Overview Quarter Quarter Quarter Quarter Quarter 3/2018 4/2018 1/2019 2/2019 3/2019 Total transaction amount through "Boonterm Kiosk" (Bt mn) 10,506 10,442 10,337 10,430 9,943 Total

Q3/2019 (under the total value of the consideration criteria). The transaction is deemed as acquisition of asset and the transaction size is not more than 15%, therefore is not subject to comply with

managing costs appropriately and being more careful with investment plans. The Company expected that this quarter has the deepest contraction in transaction value, and the situation will be better due to