” or “we” or “our” or “us”) would like to inform management discussion and analysis for its results of operations from the consolidated financial statements for the three months period ended March 31

, and business related to FinTech. According to the results of operations in the year 2018, the Company had a net loss in the consolidated financial statements in the amount of 277 million baht, incurred

1 / 3 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS  Explanation and analysis of financial performance for the three-month period ended 31 March 2019

1 / 3 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS • Explanation and analysis of financial performance for the three-month period ended 31 March 2020

1 / 4 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS • Explanation and analysis of financial performance for the year ended 31 December 2019 • Explanation and

financial statements show the results of operations for the three months ended June 30, 2017, the net profit was 24.27 million baht when compared to the same period of the previous year. The net profit grew

Company's financial statements show the results of operations for the three months ended September 30, 2017, the net profit was 26.92 million baht when compared to the same period of the previous year. The

-1- AIT (VP-SEC) 033E/2020 November 10, 2020 Subject: Management's Discussion and Analysis of Operating Results for Q3–2020 To: The President of The Stock Exchange of Thailand Summary of Operations

” or “we” or “our” or “us”) would like to inform management discussion and analysis for its results of operations from the consolidated financial statements for the six months period ended June 30, 2018

“Company” or “we” or “our” or “us”) would like to inform management discussion and analysis for its results of operations from the consolidated financial statements for the nine months period ended September