loans from financial institutions 1,328 1,047 +27% Trade payables 473 323 +46% Current portion of long-term liabilities 128 7 +1718% Current portion of liabilities under financial lease agreements 40 33

several financial institutions. A summary of the key operational matters and events for the 2nd Quarter 2020 Financial Highlights 2Q 2020 2Q 2019 Change 6M 2020 6M 2019 Change THB million % Sales THB

though, the business was not able to operate as normal due to the announcement to temporary close educational institutions from the Ministry of Education from COVID-19 pandemic causing the closure of

and the TFRS 9 revenue recognition concept adopted for calculation of interest income and fee income related to loan, as well as reduction of contributions to the Financial Institutions Development Fund

front, the lower employment rate and high household debt causing most of the financial institutions to offload their NPLs and NPAs for asset management companies (AMCs) to manage further. The competition

assets 5,128,106 67% 4,683,515 73% 2,992,758 74% 2,881,794 76% Total assets 7,622,142 100% 6,385,430 100% 4,069,930 100% 3,802,026 100% Bank overdrafts and short-term loans from financial institutions

and draft prospectus Amount percent 3. Repayment of loans to financial institutions 50 50 50 - 2018 4. Working capital for business operations 637.24 637.24 368.34 - 2018-2020 Newly – approved of

financial institutions 50 50 50 - 2018 4. Working capital for business operations 637.24 637.24 368.34 - 2018-2020 Newly – approved of purpose of use of proceeds 5. Expansion of production capacity for

/2555 Re: Offering for Sale of Newly Issued Structured Notes or Bonds Imposing Obligations on Bondholders Issued by Financial Institutions dated 16 May 2012; (9) Notification of the Capital Market

proceeds from the capital increase of the Company and its subsidiaries. 6) Explaining the limitation from the seeking for sources of fund from financial institutions. Information Memorandum on the Offering